Pennsylvania Code § 12-6331

Establishment.
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(a) Seller.-- A seller may enter into an open-end credit agreement upon the request of a buyer or prospective buyer.
(b) Financing agency.-- Subject to the other provisions of this chapter, a financing agency may enter into an open-end credit agreement on behalf of a seller from whom the financing agency may, with the buyer's consent, purchase or acquire the buyer's indebtedness, to be paid according to the agreement.

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