although a different topic than original thread, disclosure of fees is not something that should be objected. The part that will impact brokers is that the higher you upsell the larger the APR will be. We will see if funders decide to keep the buy rate + 12-15 pts in play if APR disclosure becomes part of the industry. Having a 1.25 buy leap to 1.37 or higher impacts APR tremendously. The brand of the co will be impacted if their contracts are all going out with max upsells