Short-term lender Money3 Corp has welcomed changes to consumer credit legislation that toughen its responsible lending obligations and impose caps on fees and charges, saying it has certainty about its regulatory situation.Yesterday, Money3 reported a 46.6 per cent increase in revenue for the six months to December and a 51.3 per cent increase in net profit.The company made a profit of A$1.5 million for the half, compared with $1.03 million in the previous corresponding period. Revenue increase from $7.1 million to $10.4 million. Operating expenses rose 50.4 per cent.Money3 operates through a network of 33 branches and online. Its big growth area has been its auto division, which provides loans and rentals. Sales in the divisions were up 204 per cent over the past year.The company has a $20 million debt facility from Westpac.The company's view is that its segment of the market is underserviced. It estimates that there are four million people in Australian who are unable to access traditional bank credit.