What Is the Purpose of the Federal Trade Commission Rule

What is the purpose of the Federal Trade Commission rule that eliminates the benefits of holder in due course status in certain consumer credit transactions?

A) to protect merchants of goods from consumers improperly refusing to pay
B) to protect subsequent holders of consumer credit contracts from consumers improperly refusing to pay
C) to protect consumers from having to pay a holder in due course of a promissory note if the goods that gave rise to the note are defective
D) to encourage merchants to extend credit to consumers