text: **We continue to face uncertainties due to financial services industry regulation and supervision that could have an adverse affect**
  **on our operations.**
  Federal and state regulation and supervision of the financial industry has increased in recent years due to implementation of consumer 
  protection and financial reform legislation such as the Credit Card Accountability Responsibility and Disclosure Act of 2009 (“CARD Act”) and 
  the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (“Financial Reform Act”). The Financial Reform Act significantly 
  restructured regulatory oversight and other aspects of the financial industry, created the Consumer Financial Protection Bureau (“CFPB”) to 
  supervise and enforce consumer lending laws and regulations, and expanded state authority over consumer lending. The CARD Act included 
  new and revised rules and restrictions on credit card pricing, finance charges and fees, customer billing practices and payment application. 
  We anticipate more regulation and interpretations of the new rules to continue, and, depending on the nature and extent of these new 
  regulations and interpretations, we may be required to make changes to our credit card practices and systems, which could adversely impact 
  the revenues and profitability of our Credit segment. In addition, we operate in a regulated environment where financial supervisory agencies 
  provide oversight over our activities. Compliance with applicable laws and regulations could limit or restrict our activities and the conduct of 
  our business and enforcement actions by those agencies for failure to comply could have an adverse impact on us. 