Money Lenders Ordinance (\"MLO\") L makes a loan to B guaranteed by G a) Is this loan regulated by the Money Lenders Ordinance? b) If regulated, what are the consequences of the lender not being licensed under the MLO? c) If the lender is licensed under the MLO, what are the $18 requirements and what are the consequences of non- compliance? d) What are the possible exem tions_ _which exclude the application of part / all of the ML prowsrons? e) How is interest (True Annual Percentage Rate] determined and do any Issues arise depending on how Interest IS charged