[Zach]

COJ certainly helps as a scare tactic for many merchants.

[AndyYSCISOdept]

COJ certainly helps as a scare tactic for many merchants.

The biggest issue is that you have funders trying to enforce them on merchants that don't have a pot to piss in or a window to throw it out of. A Lot of the need for COJs can be eliminated with more diligent underwriting and making sure that the money given to the merchant is going to help not hurt.