[cmarks]

How do you plan on properly distiguishing " the good apples and the bad apples " when you are clearly not in the trenches/dont want to try and originate and dont have anyone on your team who has legitimate experience as a broker. I'm not against the general idea of reforming security aspects of the industry to protect the merchants... but it sounds like you are just going after the attention and "accountability" of A paper lenders who have left you salty and in their dust...

To your first question, One of the ways of distinguishing good or bad apples is to use our system of rating and reviewing ISOs and Funders. Ratings for ISOs are calculated into an FI Score.
So its ratings by industry peers, not just one website. Then you can see whos reputation is good or not.