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 We have a story on our website. It is really just a summary of

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 guidance, provided by the cfpb. If you've

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 been following the cfpb. The director is Rohit, Chopra and he

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 does not mess around. He's going after everyone. He uses very

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 strong language. They just they just suit MoneyGram. They

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 just went after TransUnion. He he

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 he literally takes

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 things almost personal. If you read some

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 of his commentary about the action that

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 the agency itself has taken.

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 And now, we're seeing a guidance or statement put out

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 by them. Warning people, not to post fake reviews

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 about your own products and services. So

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 essentially, he says, like fake reviews about yourself online

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 may result in significant penalties, may

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 result in significant penalties. Yeah. He's talking about

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 fines being sued and and so

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 forth and he did provide some guidance. He

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 referred to something that the FTC had

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 said he did refer to

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 Some case law or at least some case law that the FTC had

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 establish and it was kind of

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 a wake-up call for me because I think a lot of

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 us go into reading of

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 reviews about anything. Now, with the degree of skepticism you

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 trying in your mind to weed out the ones that are probably fake like,

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 if you're going and you're looking up a restaurant to eat at and

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 you have, you have eight that are terrible. And

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 you have one is like best restaurant ever. You're like,

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 okay probably written by the owner, right? Yeah, is what you're

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 Yeah. Yeah, but, but I

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 will say this, I number one, I did. I

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 did not have any knowledge that, you

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 know, this would be like, significant penalties

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 like significant penalties. Like this is, this

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 is like, they're not it's illegal. Yes. Again, it's a lie. I

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 little in my mind according according to them, my

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 mind. It was always like a slap on the wrist. Like, you'll get banned from

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 website or aren't like, they find out or even writing something about

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 yourself. You know, I think was gonna

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 be this big of

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 Deal. Yeah, and I think a lot of people think that way, you

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 know, they think they can, you know, you could, it's so easy. We talked about, you can create your own

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 do name like very quickly. You can write testimonials

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 to like, you know, beef it up if

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 you need to and it's so easy to manipulate things like that,

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 but it's significant. It's

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 you get in big trouble for it. That's

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 what caught me off guard. That you just did not get a slap on

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 the wrist that they actually like you can legally

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 get into some serious trouble.

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 Versus just being banned from a website. Yeah. Well,

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 we're talking here in the context of financial service companies

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 that are providing a financial product or service. That's

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 kind of the that's the realm of the cfpb operates

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 in. I think he

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 kind of the director kind of established that consumers.

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 Have a I

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 guess a a relative. They

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 have a kind of like a

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 relative Baseline to believe on the

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 Is that they read that

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 they should be able to believe to the ones that they read,

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 especially when it comes to a product or service. And

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 so, there were a few examples of reviews that

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 would be considered unlawful. And that is, if you write

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 your own fake reviews and you're

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 like, okay sure, but then it also went on

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 to say, if your employees are writing fake

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 reviews on behalf of the company, you know,

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 we may be giving rave reviews about products and services without

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 Disclosing that they are in fact employees if

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 they're posing as customers of the product and service that

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 could be unlawful. Yeah that

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 again that that's

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 like it. It's serious. There was another was another crazier.

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 One God the crazier one. Was that

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 if you allow people to give you reviews and

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 you post only the good ones and

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 you don't show the bad ones. You got that could

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 be a local but let us but let's say I'd like to get some

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 tests. Hey,

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 We'd love to have your feedback. It will be posted on the website. So

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 people say, once you people say the product was great. Bunch

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 of people say the product was bad. You're like, well, we'll take the

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 good ones or turn them into testimonials will put an extra product and

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 then the cfpb is saying, no, no. No, you

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 can't, you can't hand pick the ones you want, but I will sit

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 but who wants a like if you get a good review,

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 a good testimony, whatever you want to call it. Who wants

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 to put bad ones up? No one probably, probably no

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 one. But the implication was

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 that you can't do that. Do that. That if you're going

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 to show them, you have to show them or everything. Otherwise, it's unlawful

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 again. We've said it

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 many times. We are not the authorities, the legal authorities. We're

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 just communicating, what's being said, the cfpb, director

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 of means business. He has taken a lot

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 of very active steps recently. I

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 get that it's consumer-focused. However, they

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 do have an appetite for things on the commercial side. Plus

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 they also referred to

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 Actions, that the Federal Trade Commission

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 had taken and it could be something to consider if

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 the FTC where to examine. Yeah, but

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 say this particular industry. Yeah, you say, well,

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 the cfpb's consumer don't need to worry. The FTC has

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 control over the commercial side of

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 finance. And so if the cfpb is saying,

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 you can't do this and they're citing

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 the FTC. I think it's important that everyone just

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 be aware. Yeah. That if you're like, well, I'm

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 just gonna

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 Going to start my company set myself up

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 with a thousand fake good reviews, and I'll be off to

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 the races because it you know, how else you gonna get your name out there. Yeah,

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 you need to you need to have some kind of record. You Know. Jack record online

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 and we only customers yet. So we'll leave, we'll leave a thousand fake

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 reviews. Talk about how awesome we are and then hopefully we'll

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 get some real ones, you know, down the line. You could, you could be

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 at risk. That's, that's all that we're saying. Yeah, scare anybody. No, definitely

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 not. But it's good. It's something really good to know especially if

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 you're going to start up your own business because like you said, you need

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 Momentum. You need like you need something to kind

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 of get yourself going because when you when you're just starting

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 off, the reality is it's like you can give people your

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 information and they're going to look for the reviews. And if

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 you have none - they all this company, the scam, right?

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 So yeah, it's hard for you to say. Well, we don't have

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 any reviews because you would be our first customer, right? Nobody

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 wants. Nobody wants to be 21 to get a customer. That's like, all

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 right, I'll just, I'll just go to someone who has mixed reviews versus someone

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 who's never sold a product or service. What would you do? What would

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 you personally?

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 Go to someone that has mixed reviews versus someone that has no

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 reviews. Yeah. Okay, good. What if they told you? Hey,

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 is your my first guy? Would you still be like, it?

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 Really depends on what it is? I might be interested. But

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 at the same time might be like, I'd rather have someone who's. Well,

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 seasoned Haddix has had the experience,

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 the good in the bad. Yeah, and it's, hopefully hopefully doing whatever

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 it takes to create a better and more improved, customer experience, and

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 hopefully, I'm the customer that gets the good one version.

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 Let me ask you, is what

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 Do you speculate when you see online that someone

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 has all good reviews, do you speculate at all?

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 Yeah, I'm like I was probably fake. Okay, so you do speculate.

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 Okay, every time I reviews I

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 always try to think which ones in the pink ones. Okay, every time every time

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 apparently that exercise is something

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 that, you know, that the legal authorities are trying

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 to minimize that we shouldn't have to go in and

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 try to be detectives. Yeah. And determine which

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 ones are fake. Which one's the real? Because honestly, I

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 have made choices.

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 Choices based upon what I've read. Yeah.

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 Absolutely. I really wanted to eat here. And

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 I don't know if these reviews are you doing a customer or

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 if it's their competitor? Yeah, leaving that bad reviews, but

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 you know, I will say this, especially

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 for things like Airbnb restaurant. So even like simple

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 Services one for me, one bad

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 review. I'm like, I'm

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 not going to go into that but then but then I kind of look at the

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 context of that bad review and then I start seeing if anything else adds

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 up.

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 And then I kind of look at the whole big picture, like this person was like,

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 I look at the date and I play detective. Hardcore on my Gayo.

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 This has this day, like, all right, like it's exhausting doing

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 that it is and then I click on the purchase profile. I don't like, I

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 like, who is this person? Hmm. It

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 is exhausting. But then you said, this is good to

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 know. If you're just starting a business. You can't just again.

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 I thought it was just a slap on the wrist. And that's it. And you

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 get banned for the website for a couple days and called it. You know, you go back

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 but it couldn't be yeah. Illegal.

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 Tivity. It is. Yeah, very very good to know. They're very

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 good already.