According to the article"Demand Cools for Fintech","...Investors also are grappling with how regulation will affect the profitability of online lenders. Earlier this week, the Supreme Court asked the Obama administration to assess a legal challenge to the practice of relying on banks to make loans that exceed state usury caps...."This is an example of which of the following:

a.None of the Above

b.Adverse Selection

c.Country Context

d.Integrated Services