The Next Chapter, page-75

Affirm is the subject of an inquiry by the Consumer Financial Protection Bureau (the "CFPB") focusing on the Company's "buy-now, pay-later" ("BNPL") service. The CFPB has expressed concerns about "accumulating debt, regulatory arbitrage, and data harvesting" associated with BNPL products. Based on this news, shares of Affirm dropped by 10.6%.
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this is why the SplitIt model is a winner as they don’t have to worry about these three issues.

unfortunately they are keeping our share price down because we are seen as another BNPL loan provider.

bring on Google global.