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[Igel]

10. Yes.

Anybody who doesn't qualify for loans under the more strict loaning requirements.

Those end to be people and businesses with fewer assets, lower income, or shakier credit histories.

Do you know any kind of business or family known for fewer assets, lower income, or shakier credit histories?

The legislation is a sausage, like most legislation. It includes all kinds of things some people want. That can be interpreted as "for each thing there's a group of some people who want them" or "for each thing, there's a set of some people who want it"--with those "some people" not being the same for each thing. In other words, each provision has some supporters but pretty much nobody wants all the provisions.