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While the intention of this legislation is to encourage transparency and enable comparisons between alternative financing options, it is SFNet’s view that the law, with its unrealistic, complex, one-size-fits-all approach instead will create more confusion than clarity for lenders and borrowers alike and inhibit, rather than enhance, the flow of capital. While we have made a substantial investment in providing this resource, as well as the Guide pertaining to California, to our members, we are committed to continuing to influence a more pragmatic solution in New York and elsewhere.