We operate in Canada under "Cash Money" and "LendDirect" brands. To date, our cumulative cash investment in Katapult is $27.5 million. Financial Statements and Supplementary Data for additional details. See "—Regulatory Environment and Compliance" in for additional details. Customers may prepay without penalty or fees. We in turn are responsible for assessing whether or not we will guarantee the loan. In 2019, we began offering Open-End loans in British Columbia. We will retain an ownership stake in Katapult of at least 21% on a fully diluted basis. In the U.S., our customers generally earn between $15,000 and $85,000 annually. We believe staff continuity is critical to our business. Likewise, we cannot provide assurance that the CFSA will prevail in the Texas Lawsuit. On October 16, 2020 a hearing was held on Speedy Cash's motion to compel arbitration. The Court ultimately issued an order denying Speedy Cash's motion on November 20, 2020. Such matters would instead be set by regulation. As of December 31, 2020, we operated six stores in Saskatchewan. Cash Money does not operate in the province of Quebec. We assess goodwill for impairment on an annual basis at the reporting unit level. These third parties rely on borrowed funds to make consumer loans. Our industry is highly regulated.
