Opploans, Elevate's Elastic and Rise, Enova's NetCredit, LoanMart's Choice Cash, EasyPay, and Personify Financial charge 99% to 160% or higher but claim they are exempt from state interest rate limits because they use FDIC-supervised banks such as Republic Bank & Trust and FinWise Bank to originate the loans. The banks then assign most of the interest and profits back to the online lenders or entities controlled by them. NCLC's website has a Predatory Rent-a-Bank Loan Watch List that describes high-cost rent-a-bank schemes and where they operate. The FDIC's rule states that when a bank sells, assigns, or otherwise transfers a loan, interest permissible prior to the transfer continues to be permissible following the transfer.