61—12.1 (17A) General. Any person who has a real and direct interest in a specific factual situation that may affect their legal rights, duties or responsibilities under any provisions of the Iowa consumer credit code or of any rule, other written statement of law, policy, decision or order issued pursuant to the Iowa consumer credit code may request a declaratory ruling from the consumer credit code administrator concerning the application or interpretation of any such statutory provision, rule or other written statement of law or policy, decision or order.