OPINION
KALITOWSKI, Presiding Judge.
Appellant Ruth Seelen, on behalf of Richard Kedzior, seeks review of the district court's judgment granting respondent's motion to dismiss for failure to state a claim. Appellants contend the district court erred in construing the term "collect" in Minn.Stat. § 168.74 (1990) of the Motor Vehicle Retail Installment Sales Act (MVRISA), as requiring actual receipt of an excessive deferral fee to constitute a violation...
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