It appears a lot of credit granters are gearing up to tie in consumers before the Bill comes into effect.

Consumers should also get a quotation that discloses all the costs involved with the loan.

It is really going to have a chilling (effect), but that's what the company appears to be after.

I don't know how much effect it has after things get started. Normally, and I use a little Bill Belichick philosophy here, after the game starts, all the hype and the rah-rah and the rhetoric goes out the window and now you play the game.

The net effect on the bill is that it would be up by about 22 percent.

There is a ripple effect, from what happens at a show. We want to get to the consumers themselves, but a lot of times it?s more effective to reach the tour operators in the middle.