Utah Code Title 70C. Utah Consumer Credit Code § 70C-1-102. Purposes--Rules of construction

(a) to further consumer understanding of the terms of credit transactions and to foster competition among suppliers of consumer credit so that consumers may obtain credit at reasonable cost;

(b) to prohibit certain unfair practices;  and

(c) to avoid the duplication of laws and regulations pertaining to consumer credit between state and federal authorities and to supplement applicable federal laws and regulations.