But the situation now appears to be changing

But the situation now appears to be changing. Consumers are moving their eyes and ears to nonregulated media. Before discovering this concept, Company X would call hundreds of companies per day and ask if they were interested in talking about a new telephone system (product offer). The evil YSP story goes like this I agreed to pay 6.5% , he told me I only had to pay 1 point origination, I found out this YSP thing was the lender paying him 2 points!