Which of the Following Is a Valid Criticism of the Regulations

Which of the following is a valid criticism of the regulations currently affecting banks and other lending institutions in Canada with respect to consumer debt?

A) Federal government intervention in the system of credit hampers lenders' profit motive.
B) Time is required to shop around for better terms and less restrictive lending conditions.
C) Banks have the ability to extract whatever promise of security is deemed necessary to protect a loan.
D) The regulations are unable to limit lenders from extracting blanket personal guarantees for loans.