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Advocates for this law argued that medical debt is a poor predictor of a person’s credit risk and can prevent individuals or families from finding housing, or getting employed, among other necessities.

But, the type of consumer is, Kevin King, vice president of credit risk and marketing strategy told Salon.

“Cannabis is still an emerging market with a lot of credit risk,” Hill added.

“Late fees encourage timely payments, which in turn help card issuers both to manage credit risk and to lower costs, allowing them to offer more competitive terms and features,” the trade groups wrote in their complaint.

Trump obtained three of the loans through Deutsche Bank’s private wealth management unit, which offered lower interest rates than its commercial real estate division, and used his financial statements to show the bank he was wealthy and a good credit risk.