The borrower pays a royalty to a creditor who receives the protection granted. Federal banking supervisors, federal courts, and most states recognize DCCs as banking products because they do not have the attributes of insurance. DCCs are available from state- and state-chartered deposit banks as well as non-deposit-financed creditors. THE CDC is subject to comprehensive regulation by the federal and regional banking supervisory authorities. DCCs can be generated either with the underlying credit transactions or after the conclusion or implementation of a loan or line of credit. The customer has the right to revoke a contract within 14 days from the date of receipt of an order, without justification. . . .