With Respect to Consumer Debt,which of the Following Is a Valid

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

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