The following questions present a sentence, part of which or all of which is underlined. Beneath the sentence, you will find five ways of phrasing the underlined part. The first of these repeats the original; the other four are different. If you think the original is best, choose the first answer; otherwise choose one of the others.
These questions test correctness and effectiveness of expression. In choosing your answer, follow the requirements of standard written English; that is, pay attention to grammar, choice of words, and sentence construction. Choose the answer that produces the most effective sentence; this answer should be clear and exact, without awkwardness, ambiguity, redundancy, or grammatical error.
Intense lobbying by the financial services industry has resulted in regulations that favor creditors as opposed to consumers, which is seen when creditors may garnish the wages of consumers in default on loans even after these consumers have declared bankruptcy.（）
A. as opposed to consumers, which is seen when creditors may garnish
B. regarding consumers; creditors, for instance, may now have garnished
C. over consumers; creditors may now, for example, garnish
D. in terms of consumers, like when creditors are able to garnish
E. over consumers, such as when creditors now may garnish