; or (B) takes unreasonable advantage of— (i) a lack of understanding by the consumer with respect to the possible impact, material risks, costs, or conditions of the product or service, or the likelihood of the risks, costs, or conditions of the product or service negatively affecting the consumer; and (ii) the reasonable reliance the consumer places on an affirmative action or representation of such covered person to induce such consumer to rely on such action or representation. (2) Abusive actions Conduct of a covered person shall be considered abusive if— (A) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers; (B) such substantial injury is not outweighed by countervailing benefits to consumers or to competition