BURGER, Circuit Judge.
Appellant, a corporation engaged in the business of financing the purchase of automobiles, appeals from an adverse summary judgment rendered by the District Court in a suit for declaratory judgment. Appellant challenges the validity of portions of See. 304 of the .Regulations Governing the Businesses of Buying, Selling and Financing of Motor Vehicles in the District of Columbia, Order No. 60-2219 as being beyond the scope of authority granted by Congress.
This regulation was issued by the District Commissioners pursuant to Public Law 86-431 which authorized the Commissioners under § 2(e) (1) to make and enforce regulations “specifying the types and maximum amounts of insuranee which may be required, at the expense of the retail buyer [of automobiles], to protect from loss the seller in a retail installment transaction * 74 Stat. 69 (1960), 40 D.C. Code Ann. § 902 (1961). (Emphasis added.)
The important portions of the assailed regulation promulgated by the Commissioners under this authority read as follows:
“Section 304. Types and Amounts of Insurance
“(a) A buyer who executes a retail installment contract may be required to provide, at his own cost, insurance covering the motor vehicle for the protection of the holder. The insurance so required shall be limited to (1) collision insurance with a deductible of at least $50, (2) towing and labor costs, and (3) comprehensive or fire and theft, with or without combined additional coverage. * * *
“(b) With the agreement of the buyer, charges, not exceeding the premiums chargeable under applicable law, may be included in the retail installment contract for the cost of the following types of insurance: automobile bodily injury and property damage caused others, automobile medical payments and credit life. No costs shall be included in the retail installment contract for any type of insurance not authorized by this section. (Emphasis added.) Regulations Governing the Businesses of Buying, Selling and Financing of Motor Vehicles in the District of Columbia, Order No. 60-2219."
Appellant’s sole contention on appeal is that while Public Law 86-431, 74 Stat. 69 (1960), 40 D.C. Code Ann. § 902 (1961), authorized the District Commissioners to make regulations as to the types and amounts of insurance that might be required of a buyer by a seller, it did not authorize any regulation of the types and amounts of insurance which might be included in the contract. Since the language regarding what may be “included” is confined to part (b) of the regulation quoted above, it is to that section that appellant directs argument. In our view, however, the appellant has read the language of part (b) too literally and has misconceived its true effect.
Appellant’s argument overlooks the practical aspect of the congressional finding that the car dealer’s objectionable means of requiring, if not coercing, the purchase of the particular insurance was to include it in the conditional sales contract as part of a “package sale.” By the same token, the means selected by the Commissioners to implement the congressional intent was to preclude the objectionable conduct by prescribing what may lawfully be included in the conditional sales contract, and necessarily forbidding the inclusion of other elements.
The Commissioners were not compelled to use the precise language Congress used; they were free to use whatever language would reasonably give effect to the stated objectives of the statute. We hold they have not exceeded the authority vested in them by Public Law 86-431, 74 Stat. 69 (1960), 40 D.C. Code Ann. § 902 (1961).
Affirmed.
What follows is an opinion from a United States Court of Appeals. You will be asked a question pertaining to issues that may appear in civil law issues involving government actors. The issue is: "Did the court conclude that it should defer to agency discretion? For example, if the action was committed to agency discretion. Answer the question based on the directionality of the appeals court decision. If the court discussed the issue in its opinion and answered the related question in the affirmative, answer "Yes". If the issue was discussed and the opinion answered the question negatively, answer "No". If the opinion considered the question but gave a mixed answer, supporting the respondent in part and supporting the appellant in part, answer "Mixed answer". If the opinion does not discuss the issue, or notes that a particular issue was raised by one of the litigants but the court dismissed the issue as frivolous or trivial or not worthy of discussion for some other reason, answer "Issue not discussed". If the opinion considered the question but gave a "mixed" answer, supporting the respondent in part and supporting the appellant in part (or if two issues treated separately by the court both fell within the area covered by one question and the court answered one question affirmatively and one negatively), answer "Mixed answer". If the opinion either did not consider or discuss the issue at all or if the opinion indicates that this issue was not worthy of consideration by the court of appeals even though it was discussed by the lower court or was raised in one of the briefs, answer "Issue not discussed".