Fair Credit Reporting: 17.3.4.4 Legislative Intent
Retailers typically argue that the legislature could not have intended that they be included under the state credit repair law. The legislature’s specific list of entities that are exempt is, however, strong evidence that others are not exempt.433 In addition, there are good reasons why a legislature would want a state credit repair law to apply to dealers who arrange credit. These sellers often make most of their profit through arranging credit, not selling goods or services.