[SFC]

Technically yes since there is not a definitive term - there is an expected turn based upon past performance,
not a guarantee of future performance.

It is a meaningless Law passed by uniformed politicians

I wouldn't say meaningless. The real "point" of this law is to give make MCA look bad.

Most people don't understand factor rates.

When media/politicians start seeing contracts that say 50-500% APR that's when all hell will start to break loose.

That's the real goal here. Put MCA in terms that don't apply to it to harm the industry.