Ahh ok, I thought it was illegal to modify an exhaust before the cat, but if that's what Regency told you, I might not have to do anything to get it through.
I haven't looked under the car for more than a few seconds, it has what looks like a cat, but I'd be fairly certain its not the stock one. It smells like its running rich, because of that my mate reckons its a pre-silencer. I should probably have a closer look.
I'm pretty sure noise isn't an issue, it has a muffler, not like a milo tin 5 incher hehe.
EDIT - forgot to ask if any cat can be fitted to a 3 inch exhaust or do I have to source a R32 one?