Which of the following statements regarding finance companies is not true? OA. The finance company industry has become more concentrated over time. OB. In contrast to depository institutions that rely mostly on deposits as source of funds, finance companies rely on both long-term debt such as government bonds and short-term debt such as commercial papers. OC. Like depository institutions, finance companies also make real estate loans. OD. In contrast to depository institutions, finance companies specialize in consumer loans but not business loans.