Financial institutions and customers have a give-and-take relationship that can sometimes lead to problems. Customers usually stick around for about 2 years and make loan payments on time. If they pay off the loan, they get their collateral back. But if they don't, the institution takes it. A study looked at how well non-bank financial institutions protect customers. It found that these institutions don't have strong consumer protection laws. There's a need for better regulations to safeguard consumers in the financial industry.