senator shell sbi a 70% possibility of being black. tom cotton in this zip code is 88% probability of being black. senator brown financed the vehicle through ally and he had no legitimate business reason existed to discount the apr he was offered with the cfpb sent him a check? >> let's take the specific examples and also take it back to what we're talking about. in each of the three examples, they to affirmatively opt in -- >> they would have to state -- >> respond and state that they were a minority borrower. i assume that each of you would not do that. and otherwise you're committing fraud. but let's go back here. we have a discrimination matter against ally financial. 325,000 or so consumers were affected. they were charged higher rates based on a pattern or practice that showed that minorities in certain categories paid higher rates and then the question -- >> i'm not disputing -- no, no. i'm not disputting any of the underlying facts. the redress. >> sure. what do you do for the 325,000 people? do you set up a system difficult to