Which of the following statements is FALSE? A. Sales finance institutions compete directly with commercial banks for consumer loans. B. Finance companies generally charge lower interest rates on consumer loans than do commercial banks. C. Finance companies specialize not only in consumer loans but also business loans and real estate loans. D. Personal credit institutions may be willing to approve collateral that commercial banks do not find acceptable. E. Finance companies have relied primarily on short-term commercial paper and other debt sources to finance asset growth