"Bankers also are concerned that fintechs will use venture capital funding to subsidize lower rates on loans and other products while sending marketing blitzes to steal customers from big banks. Fintechs promise a wide range of financial benefits to low- and moderate-income consumers that bankers say may or may not be real . . . The rule will initially impact the largest banks that for now have just six months to comply. The timeline of staggered four-year compliance dates depending on a bank's size could change in the final rule, some experts say."