[NativeSon]

It is a very short leap from oversight of consumer's ratings to oversight/direction of fed/state/muni credit rating.

and then a hop and a skip to police running your credit before issuing a ticket, to assign a "fair amount" fine.

[paint_your_wagon]

Or consider your ‘fair amount’ due for your next medical procedure.
Sure, they will already know how much money you have in the bank, but now they’ll have a better picture of how much more they can squeeze out of you.