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They offer strong liquidity and minimal credit risk, even though they briefly dipped alongside stocks during the latest sell-off.

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.