Question: Fiserv, Inc., is an American provider of financial services technology, the company's clients includes thrifts, a savings and loan association (S&L), or thrift institution, is a financial institution that specializes in accepting savings, deposits, and making mortgage and other loans, by law, thrifts can have no more than what number percent, of their lending in commercial loans?
Sentence (from "Savings and loan association"): By law, thrifts can have no more than 20 percent of their lending in commercial loans — their focus on mortgage and consumer loans makes them particularly vulnerable to housing downturns such as the deep one the U.S. has experienced since 2007.
Relevant evidence: Yes