| Every bank CRA will come up with their own regulations on how to deal with bankruptcies and will have the legal authority to deal with and enforce their regulations. Banks would be rated on these results, which will be clearly posted on any loan contracts. |  |
 | If one does not like the rating on a contract, they would have the option of going to another bank regulated by another CRA that has more favorable bankruptcy policies. The best will continue to be topped and the bad policies will not be viable. Many new and innovated models could emerge. One examples would be to transfer debt to share loans or volunteer hours. |
