We're exploring partnering with a FinTech. This is pretty new to us so maybe I'm overthinking ...but I think we might be looking at a Hybrid card under Reg E. The Fintech already has a big bank they are working with to have debit cards on deposits. This FinTech wants to help consumers with short term funding and wants our bank to help them do lines of credit that the consumer can access with the debit card. The debit card is NOT our card ... but it will access our line of credit through an App which the consumer will connect through an interface of some kind. Does that make this a Hybrid Card situation and does that somehow affect how we handle the loan? Or - since the consumer is just accessing the line of credit through an App does it not matter and we just treat this like any other line of credit for consumers?