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Was it Denovan or someone else? Div 4 of the Act is pretty interesting: Reasonable inquiries etc. about the consumer (1) For the purposes of paragraph 115(1)(d) or 115(2)(b), the licensee must, before making the preliminary assessment: (a) make...

Bad news for you Richard.... the lenders statement/declarations won't help you in the new world.

I'm curious, Richard. Do you see any risk to your (future) licence in using this sort of product?