I don't think they were necessary justify even with everything going on at the time since it's targeted people who were suspected
The effects of the Black Death were many and varied. Trade suffered for a time, and wars were temporarily abandoned. Many labourers died, which devastated families through lost means of survival and caused personal suffering; landowners who used labourers as tenant farmers were also affected.
The (truth) in lending act, also known as the consumer credit protection act