If the debt relief agreement does not provide that the small investor must have insurance, the debt relief contract is rejected. Some car dealerships, as well as banks and credit unions, offer “debt cancellation” and “debt suspension” products or insurances under different names. These products are similar to their credit insurance function, but the fees and other functions may be different. Debt cancellation contracts are available for consumer credit, including installment loans, auto loans, mortgages, home lines of credit (HELOC) and leasing contracts. 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 creditors not financed by deposits. . .