Can he safely lie about that? Or would that be a slam-dunk lawsuit against him? He's already got Elon Musk on his enemies list.
So he cannot say "OpenAI made 20B profit last year." but can say "OpenAI will make 20B revenue next year." Optimism is not a crime.
Private credit isn't really unregulated.
If you're interested in learning more I believe Matt Stoller has written a few articles about the private credit markets.