| TO: |  Honorable Troy  Fraser, Chair, Senate Committee on Business & Commerce                            | 
| FROM: |  John S. O'Brien, Director, Legislative Budget Board  | 
| IN RE: | SB856 by Shapleigh (Relating to the prohibition on participating in the lending of credit by a credit services organization that assists a borrower in obtaining the credit.), As Introduced  | 
| Source Agencies: | 450 Department of Savings and Mortgage Lending, 451 Department of Banking, 469 Credit Union Department 
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| LBB Staff: |  JOB, JRO, TGl 
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