Plaintiffs’ products liability tort claims in this case seek recovery for purely economic loss associated with the alleged *526deterioration of plywood in the roofs of their townhouses. The principal issue is whether their claims come within the exception for conditions “presenting a clear danger of death or personal injury,” which we adopted in Council of Co-Owners v. Whiting-Turner, 308 Md. 18, 35 n. 5, 517 A.2d 336 (1986). In addition, we must determine whether the plaintiff home buyers may maintain an action under Maryland’s Consumer Protection Act against manufacturers or sellers with whom the plaintiffs had no direct contact. Further, we consider whether Maryland’s version of the Uniform Commercial Code (UCC) permits plaintiffs’ implied warranty claims.
I.
A.
Plaintiffs brought this class action suit to recover from the defendants the cost of replacing roofs that contained allegedly defective fire retardant treated plywood (“FRT plywood”).1 According to the complaint, on November 3, 1987, plaintiff Patty Morris purchased a townhouse that had a roof constructed of FRT plywood manufactured by defendant Osmose Wood Preserving (Osmose). On October 23, 1987, plaintiff Richard Mills purchased a townhouse that also had a roof constructed of FRT plywood manufactured by Osmose. On July 11, 1985, plaintiff Michael Karbeling purchased a townhouse that had a roof constructed of FRT plywood manufactured by defendant Hoover Treated Wood Products, Inc. (Hoover Wood). On September 28, 1983, plaintiff Laura Herlihy purchased a townhouse that had a roof constructed of FRT plywood manufactured by defendant Hoover Universal, Inc. (Hoover Universal).2
*527Plaintiffs allege in their Fourth Amended Complaint that FRT plywood, when exposed to high temperatures, begins an acidic reaction that was designed to stop the spread of fire. It was further alleged that the reaction can occur at temperatures as low as 130 degrees fahrenheit, and roofs can reach temperatures of 180 degrees fahrenheit without the presence of fire. Plaintiffs aver that the chemical reaction “weakens the wood and destroys the bonding between the plywood laminates, thereby causing the wood, among other things, to bow, darken, spot, warp, fracture and otherwise deteriorate and lose strength capacity.” This reaction, the plaintiffs claim, will inevitably occur in plywood installed in roofs, and it will occur without regard to ventilation or moisture levels in attics.
The plaintiffs allege in their amended complaint that the plywood in plaintiffs’ roofs has undergone this reaction, “significantly weakening the roofs and resulting in substantial impairment of the strength and structural integrity of the roofs, and damaging other components of the roofs in which it is incorporated.” Plaintiffs allege, therefore, that the roofs are “unsafe and dangerous” and “at risk of premature failure.” They further assert that “[t]here is an immediate threat of injury from walking on the roofs, and also the threat of the roofs collapsing and injuring the occupants within,” and that the roofs cannot support “any weight, even a heavy snowfall.”3
*528According to the complaint, the defendants each had advertised their products as suitable for constructing roofs, when in fact they were not. On March 30, 1986, the American Plywood Association (the Association) informed Hoover Wood of a situation in which its FRT plywood had deteriorated despite adequate ventilation. In April 1987, the Association notified all defendants of the thermal degradation problems associated with FRT plywood. The general public was alerted to the problem in the spring of 1990, most notably by an article on the front page of the New York Times dated April 11, 1990. Plaintiffs allege that they would have become aware of the problem sooner if the defendants had not controlled all information concerning it.
B.
Based on these facts, the fourth amended complaint contained five counts: strict liability, negligence, breach of implied warranties, negligent misrepresentation, and violations of the Maryland Consumer Protection Act, Maryland Code (1975, 1990 Repl.Vol., 1995 Supp.) § 13-101 through § 13—411 of the Commercial Law Article.4 After a hearing on defen*529dants’ motions to dismiss, the circuit court dismissed the complaint in its entirety. It ruled that the strict liability and negligence counts were precluded by the economic loss rule, which prohibits a plaintiff from recovering in tort for purely economic losses—losses that involve neither a clear danger of physical injury or death, nor damage to property other than the product itself. The court further ruled that these claims did not come within Maryland’s limited exception to the economic loss rule because “[a]t the time of the sale by defendants to the developers, the FRT plywood was not so defective as to present a clear and imminent danger of death or personal injury to the ultimate purchaser of the home.” Concerning the implied warranty count, the court stated that all plaintiffs had conceded that their claims were not filed within the four year limitations period contained in Maryland Code (1975, 1992 Repl.Vol.), § 2-725 of the Commercial Law Article, and rejected plaintiffs’ argument that the statute of limitations should be tolled because the defendants had fraudulently concealed the cause of action under Code (1973, 1989 Repl.Vol.) § 5-203 of the Courts and Judicial Proceedings Article. Citing the absence of “reliance by the plaintiff[s] on the particular statements” of the defendants, the court dismissed the negligent misrepresentation count. The court also implied, but did not state, that the absence of particular *530reliance prompted its dismissal of the Consumer Protection Act count.5
The Court of Special Appeals reversed the dismissal of the breach of implied warranty count, and affirmed the dismissals of the other counts. Morris v. Osmose Wood Preserving, 99 Md.App. 646, 639 A.2d 147 (1994). Concerning the tort claims, the court held that the economic loss rule barred recovery. It rejected the plaintiffs’ attempts to fit their claims into Maryland’s limited exception for severe risk of personal injury, stating: “Mere possibilities ... do not meet the threshold of establishing a clear danger of death or personal injury.” Id. at 655-56, 639 A.2d 147.
With respect to the Maryland Consumer Protection Act count, the court held that, while the plaintiffs had alleged sufficient reliance, they could not maintain an action under the Act because the FRT plywood was not consumer goods at the time the defendants sold it to the builders. Id. at 660, 639 A.2d 147. The court stated that “when [the defendants] advertised and sold FRT plywood, they advertised and sold it to commercial buyers for commercial purposes,” i.e., “the mass construction of homes.” Id. Furthermore, the court held that under the UCC concept of goods, “the FRT plywood ... did not become ‘consumer goods’ when the houses into which it was incorporated were sold to [the plaintiffs].” Id. at 661, 639 A.2d 147.
As to the implied warranty count, the court pointed out the apparent error in the circuit court’s statement that the plaintiffs had conceded that their warranty claims were not filed within the applicable limitations period. The court noted that Morris and Mills purchased their homes in the fall of 1987 and filed their claim in January of 1991, well within the limitations period. Next, the court held that Herlihy and Karbeling had alleged facts sufficient to toll the statute of limitations based on fraudulent concealment. Also, relying on the expansive *531definition of “seller” in the UCC, the court rejected Osmose’s argument that it was not a “seller” under the UCC.
II.
In considering a motion to dismiss filed under Maryland Rule 2-322(b)(2) for “failure to state a claim upon which relief can be granted,” a court must assume the truth of all well-pleaded facts and allegations in the complaint, as well as all inferences that can reasonably be drawn from them. Decoster v. Westinghouse, 333 Md. 245, 249, 634 A.2d 1330 (1994); Stone v. Chicago Title Ins., 330 Md. 329, 333, 624 A.2d 496 (1993); Faya v. Almaraz, 329 Md. 435, 443-44, 620 A.2d 327 (1993). Dismissal is proper only when the alleged facts and permissible inferences, even if later proven to be true, would fail to afford relief to the plaintiff. Board of Education v. Browning, 333 Md. 281, 286, 635 A.2d 373 (1994); Decoster, supra, 333 Md. at 249, 634 A.2d 1330; Faya, supra, 329 Md. at 443, 620 A.2d 327. We do not consider, however, merely conclusory charges that are not factual allegations. Faya, supra, 329 Md. at 444, 620 A.2d 327; Berman v. Karvounis, 308 Md. 259, 265, 518 A.2d 726 (1987).
III.
We have categorized losses in products liability claims as either (1) personal injuries, (2) physical harm to property other than the product itself, or (3) economic loss suffered when the product fails to meet the contractual expectations of the purchaser. Decoster, supra, 333 Md. at 249-50, 634 A.2d 1330. Generally, plaintiffs cannot recover in tort for losses in the third category—purely economic losses. U.S. Gypsum v. Baltimore, 336 Md. 145, 156, 647 A.2d 405 (1994). Such losses are often the result of some breach of contract and ordinarily should be recovered in contract actions, including actions based on breach of implied or express warranties. Id. This economic loss rule was justified as follows by Chief Justice Traynor for the Supreme Court of California in the seminal *532case of Seely v. White Motor Company, 63 Cal.2d 9, 45 Cal.Rptr. 17, 403 P.2d 145, 155 (1965):
“The distinction that the law has drawn between tort recovery for physical injuries and warranty recovery for economic loss is not arbitrary and does not rest on the ‘luck’ of one plaintiff in having an accident causing physical injury. The distinction rests, rather, on an understanding of the nature of the responsibility a manufacturer must undertake in distributing his products. He can appropriately be held liable for physical injuries caused by defects by requiring his goods to match a standard of safety defined in terms of conditions that create unreasonable risks of harm. He can not be held for the level of performance of his products in the consumer’s business unless he agrees that the product was designed to meet the consumer’s demands. A consumer should not be charged at the will of the manufacturer with bearing the risk of physical injury when he buys a product on the market. He can, however, be fairly charged with the risk that the product will not match his economic expectations unless the manufacturer agrees that it will.”
In Council of Co-Owners v. Whiting-Turner, 308 Md. 18, 32-35, 517 A.2d 336 (1986), we shifted the focus of the economic loss analysis in Maryland, holding that “the determination of whether a duty [in tort] will be imposed in [an economic loss case] should depend upon the risk generated by the negligent conduct, rather than upon the fortuitous circumstance of the nature of the resultant damage.” Id. at 35, 517 A.2d 336. We then clarified the nature of the risk required to maintain a tort action for purely economic loss, stating that “[w]here the risk is of death or personal injury the [tort] action will lie for recovery of the reasonable cost of correcting the dangerous condition.” Id. We further explained:
“It is the serious nature of the risk that persuades us to recognize the cause of action in the absence of actual injury. Accordingly, conditions that present a risk to general health, welfare, or comfort but fall short of presenting a clear danger of death or personal injury will not suffice. A claim that defective design or construction has produced a *533drafty condition that may lead to a cold or pneumonia would not be sufficient.”
Id. at 35 n. 5, 517 A.2d 336.
Based on Whiting-Turner, the plaintiffs argue that we should permit their tort claims to proceed because the roofs present a risk of personal injury. The roofs, plaintiffs argue, cannot support weight and therefore create a risk of physical injury to anyone who goes on them (homeowners, repairmen, or firefighters) and to anyone who may be under them if they collapse under the weight of a heavy snowfall or a strong wind gust. Defendants argue that the risk is not clear enough to bring the claim within the Whiting-Turner exception. Alternatively, they argue that we should abandon the exception or limit its application to cases involving claims against builders or architects.
Whiting-Turner and U.S. Gypsum, considered together, reveal a two part approach to determine the degree of risk required to circumvent the economic loss rule. We examine both the nature of the damage threatened and the probability of damage occurring to determine whether the two, viewed together, exhibit a clear, serious, and unreasonable risk of death or personal injury. Thus, if the possible injury is extraordinarily severe, i.e., multiple deaths, we do not require the probability of the injury occurring to be as high as we would require if the injury threatened were less severe, i.e. a broken leg or damage to property. Likewise, if the probability of the injury occurring is extraordinarily high, we do not require the injury to be as severe as we would if the probability of injury were lower.
Whiting-Turner primarily involved the severity component. In that case, the plaintiffs alleged that the defendants built a twenty-one story condominium building without constructing “ten vertical utility shafts with materials having a fire resistance rating of two hours.” 308 Md. at 22, 517 A.2d 336. The defect put all of the residents of the building at risk of death or personal injury in the event that a fire occurred in one of the shafts. Even though no fire had actually occurred and the *534probability that the defect would cause the fire was not extraordinarily high, we allowed the plaintiffs to maintain a tort action because the nature of the possible damage was very serious—multiple deaths and personal injuries.
U.S. Gypsum implicated the probability element to a greater extent than Whiting-Turner had. In that ease, the City of Baltimore sued companies that had been involved in the manufacturing, distribution, and installation of asbestos products that were present in several of Baltimore City’s public buildings. The possible injury—inhalation of asbestos fibers causing serious diseases—was coupled with a high probability that personal injuries thereby would result because everyone who used the building could have been exposed to asbestos fibers in the air. Accordingly, we held the tort claims to be “fully cognizable.”6
This two part approach recognizes the negative effects that could occur if the economic loss rule was abandoned. See East River S.S. Corp. v. Transamerica Delaval, 476 U.S. 858, 870-71, 106 act 2295, 2302, 90 L.Ed.2d 865 (stating that an approach rejecting the economic loss rule “fails to account for the need to keep products liability and contract law in separate spheres and to maintain a realistic limitation on damages”). It balances these considerations, however, against the public policy of encouraging people to correct dangerous conditions before a tragedy results.7 Accordingly, we do not *535ordinarily allow tort claims for purely economic losses. But when those losses are coupled with a serious risk of death or personal injury resulting from a dangerous condition, we allow recovery in tort to encourage correction of the dangerous condition.
Moreover, this approach easily withstands the criticism of the United States Supreme Court, which characterized approaches based on the degree of risk as “too indeterminate to enable manufacturers easily to structure their business behavior.” East River, supra, 476 U.S. at 870, 106 S.Ct. at 2301-02. As we see it, there are two areas in which manufacturers’ exposure to tort liability requires them to modify their business behavior, and our risk-of-harm rule does not cause major disruptions in either area. The first area is the actual manufacturing and marketing of the product, in which manufacturers, regardless of the extent of tort liability, should always attempt to mitigate risks of death or personal injury. The second area is the allocation of funds to cover potential tort liability. In this area, our rule, because of the extreme nature of the risk required to trigger it, limits liability to, predominately, those situations in which either liability would inevitably be created by actual physical injury or the manufacturer’s exposure to liability is so great that it cannot be ignored.
In the instant case, the complaint asserts two instances in which the FRT plywood may cause personal injury. In the first, “[bjecause of the degradation and deterioration of the FRT plywood, the roofs are unsafe and dangerous, threatening the safety of the plaintiffs and other occupants of the buildings and other persons who have cause to be on the *536roofs.” In the second, occupants of a townhouse may be injured “as the degradation process renders the roofs incapable of supporting any weight, even a heavy snowfall,” thereby posing “the threat of the roofs collapsing and injuring the occupants therein.”
Neither of these assertions, by themselves, meet the required legal threshold of pleading the existence of a clear and extreme danger of death or serious personal injury, as required by Whiting-Turner and its progeny. There is no allegation that any injury has ever occurred since the roofs were installed on the plaintiffs’ townhouses, or on the roofs of the members of the class, or that any of the roofs have collapsed because of weather conditions or because of the alleged degradation associated with their construction. As noted by the Court of Special Appeals, mere possibilities are legally insufficient to allege the existence of a clear danger of death or serious personal injury. Our cases emphasize that it is the serious nature of the risk that compels recognition of a cause of action in tort for economic loss, absent actual injury. See Whiting-Turner, supra, 308 Md. at 35, n. 5, 517 A.2d 336. To lower the threshold to encompass mere “possibilities” of injury, as presented in this case, and as the dissent seemingly advocates, is to “cheapen” the legitimacy of the exception to the economic loss rule and thereby invite an avalanche of such tort claims in future cases. In sum, we affirm the dismissal of the plaintiffs’ tort claims because the alleged defects do not present a substantial risk of death or serious physical injury.
IV.
The General Assembly enacted the Consumer Protection Act (CPA or the Act) in response to “mounting concern over the increase of deceptive practices in connection with sales of merchandise, real property, and services and the extension of credit.” Code (1975, 1990 Repl.Vol.) § 13-102(a)(l) of the *537Commercial Law Article.8 The Legislature was concerned that these deceptive practices were undermining public confidence in merchants, “although the majority of business people operate with integrity and sincere regard for the consumer.” § 13-102(b)(2). It found existing federal and State laws to be “inadequate, poorly coordinated and not widely known or adequately enforced,” and found “that improved enforcement procedures [were] necessary to help alleviate the growing problem of deceptive consumer practices.” § 13-102(a)(2), (3). With the Act, therefore, the General Assembly intended “to set certain minimum statewide standards for the protection of consumers across the State” and to “take strong protective and preventative steps to investigate unlawful consumer practices, to assist the public in obtaining relief from these practices, and to prevent these practices from occurring in Maryland.” § 13—102(b)(1), (3).
The Act prohibits certain unfair and deceptive trade practices “in [t]he sale, lease, rental, loan, or bailment of any consumer goods, consumer realty, or consumer services; [or] [t]he offer for sale, lease, rental, loan, or bailment of consumer goods, consumer realty, or consumer services----”9 § 13-*538303. It defines sales to include not only sales, but also offers and attempts to sell. § 13—101(i). It defines consumer goods as goods “which are primarily for personal, household, family, or agricultural purposes.” § 13-101(d).
The Act created the Division of Consumer Protection of the Office of the Attorney General and gave it “broad powers to enforce the CPA, including the ability to seek injunctions, cease and desist orders, restitution, and civil penalties.” CitaraManis v. Hallowell, 328 Md. 142, 150, 613 A.2d 964 (1992) (citing §§ 13-401 through 13-406 and 13-410). Furthermore, the Act provides for private causes of action against violators, stating: “In addition to any action by the Division or Attorney General authorized by this title and any other action otherwise authorized by law, any person may bring an action to recover for injury or loss sustained by him as the result of a practice prohibited by this title.” § 13-408(a).10
We must decide whether the allegations in this case, if true, are sufficient to establish that the defendants engaged in unfair and deceptive trade practices in connection with sales, offers for sale, or attempts to sell consumer goods, and, if so, whether the plaintiffs were injured as a result of these practices. This is essentially a question of statutory *539construction, the goal of which is to determine the General Assembly’s intent in enacting the legislation. Parrison v. State, 335 Md. 554, 559, 644 A.2d 537 (1994). We determine legislative intent primarily by reference to the plain language of the statute. Outmezguine v. State, 335 Md. 20, 41, 641 A.2d 870 (1994). In doing so, however, we cannot view individual provisions in isolation, but must look at the entire statutory scheme. Id. Also, a statute “must be construed in accordance with its general purposes and policies.” Rose v. Fox Pool, 335 Md. 351, 359, 643 A.2d 906 (1994). Moreover, “ ‘results that are unreasonable, illogical, or inconsistent with common sense should be avoided whenever possible consistent with the statutory language....’” Motor Vehicle Admin, v. Gaddy, 335 Md. 342, 347, 643 A.2d 442 (1994) (quoting Motor Vehicle Admin. v. Shrader, 324 Md. 454, 463, 597 A.2d 939 (1991)). Finally, the CPA specifically provides that it is to be “construed and applied liberally to promote its purpose.” § 13-105.
The plaintiffs argue that the Court of Special Appeals erred in applying the UCC definition of “consumer goods” to that contained in the CPA because the two statutes have different purposes and slightly different definitions of the term. They contend that under the CPA, a thing can be consumer goods if it is eventually intended to be for personal, household, or family purposes. Therefore, they argue that when the manufacturers sold the FRT plywood to the builders, these were sales of consumer goods because the parties intended that the plywood would be used in residential townhouses. The plaintiffs insist that they can maintain an action under the CPA if they can establish unfair and deceptive trade practices in connection with the sales of plywood by the defendants to the builders. They further argue that the causation requirement in § 13-408(a) does not require that they directly relied on the deceptive statements made in connection with the sale to the builders.
To the contrary, defendants argue that the causation requirement does require plaintiffs to prove direct reliance on the deceptive statements. Further, defendants argue that the *540alleged unfair and deceptive trade practices were not in connection with any sale or offer for sale of consumer goods.
The definition of consumer goods in the CPA differs from the definition in the UCC. While the UCC requires the goods to be “used or bought for use primarily for personal, family or household purposes” (Code, (1975, 1992 RepLVol.) § 9-109 of the Commercial Law Article), the CPA requires only that they be “primarily for personal, household, family, or agricultural purposes.” § 13-101(d). Essentially, this difference in language allows goods to be considered consumer goods under the CPA before they are actually bought or used for personal, household, or family purposes. Under the UCC definition, a merchant could never commit an unfair or deceptive trade practice in the offer for sale of consumer goods because a merchant does not offer to sell consumer goods; it offers to sell its inventory. See § 9-109 (describing the various types of goods). Therefore, the UCC definition, while similar to the CPA definition, would not be entirely workable under the CPA.
The plaintiffs’ expansive definition of consumer goods is, however, also unworkable in that it would consider the plywood to have been consumer goods at the time defendants sold it to the builders. If this were the case, the builders could sue the manufacturers under the CPA because builders come within the broad category of “any person” in § 13-408(a), and they sustained injury, if they were sold a defective product. This injury occurred before, and regardless of, the alleged injury to the plaintiffs. Such suits between builders and manufacturers would serve only to reallocate the risks of loss under their contracts without providing any additional protection to consumers. Because these suits would not serve the purposes of the Act—“protection of consumers” and assisting “the public in obtaining relief from [unlawful consumer] practices”—we conclude that the legislature did not intend to allow them. See § 13-102(b) (listing the purposes of the act).
The only reasonable definition of consumer goods is goods sold or offered for sale to persons who intend to use *541them primarily for personal, family, household, or agricultural purposes. A sale of consumer goods under the CPA is, therefore, a sale in which the buyer intends to use the goods primarily for these purposes. Consequently, the deceptive trade practice must occur in the sale or offer for sale to the consumer.
By this we do not mean that the only entity that can engage in a deceptive trade practice is one who directly sells or offers to sell to consumers. It is quite possible that a deceptive trade practice committed by someone who is not the seller would so infect the sale or offer for sale to a consumer that the law would deem the practice to have been committed “in” the sale or offer for sale. See § 13-303. An example may be a deceptive statement appearing on a manufacturer’s packaging that is targeted to consumers. Under such circumstances, the CPA may provide a claim against the manufacturer because the statements were made in the sale or offer for sale of the consumer goods. For other examples see State v. Cottman Transmissions, 86 Md.App. 714, 587 A.2d 1190 (1991) (permitting CPA action against franchiser who directed franchisee to engage in deceptive practices), cert. denied, 324 Md. 121, 596 A.2d 627 (1991); Valley Forge Towers v. Ron-Ike F. Ins., 393 Pa.Super. 339, 574 A.2d 641 (1990) (permitting consumer’s action against manufacturer when contract specified a particular manufacturer’s roofing product and promised a direct manufacturer’s warranty which the manufacturer issued directly to plaintiffs and later refused to honor), aff'd, 529 Pa. 512, 605 A.2d 798 (1992); State v. Custom Pools, 150 Vt. 533, 556 A.2d 72 (1988) (allowing consumer’s action against finance company that assisted a pool sales company in fraudulently obtaining mortgage deeds on consumers’ homes).
Nevertheless, the deceptive practice must occur in the sale or offer for sale to consumers. In this case, the allegedly deceptive practices occurred entirely during the marketing of the plywood to the builders. Essentially, the defendants represented in advertising targeted to builders that their products were suitable for roofing, and plaintiffs claim this *542representation is untrue. There is no allegation that the defendants were in any way involved in selling, offering, or advertising the townhouses that the plaintiffs bought. Nor is there any allegation that defendants attempted to influence the plaintiffs to purchase townhomes containing their brand of plywood. The only effect the alleged misrepresentations had on the sale of the townhouses was the creation of a possibly erroneous belief on the part of the builders which caused them to include allegedly inferior products in the townhouse. This remote effect on the sale of consumer realty is not sufficient for us to conclude that the deceptive trade practice actually occurred in that sale. Therefore, we affirm the dismissal of plaintiffs’ claims under the Maryland Consumer Protection Act.
The dissent maintains that the CPA should allow the eventual consumers of a product to sue for misrepresentations made by manufacturers to anyone in the chain of distribution. Thus, the dissent’s position would allow consumers to sue for misrepresentations made by any manufacturer of a component part to another manufacturer, so long as the component part was eventually included in the product purchased by the consumer. This view is neither in accord with the language or the purpose of the CPA. The cases cited by the dissent to support its position construe statutes different from Maryland’s CPA, and apply those statutes to factual circumstances different from those before us.
In three of the cases cited by the dissent, the consumer’s cause of action was allowed to proceed only because specific statutory language made the manufacturer’s alleged misrepresentation “indirectly” a part of the sale to the consumer. In Pack & Process, Inc. v. Celotex Corp., 503 A.2d 646, 658 (Del.Super.1985), a statute allowing consumers to recover damages for unlawful practices made “in connection with the sale or advertisement of any merchandise” was applied to statements made by a roofing manufacturer to a roofing contractor and the original consumer, who later sold the building to the plaintiff. The decision rested upon a holding that “ ‘in connection with’ is a phrase suggesting a broad *543interpretation of how involved with the distribution of merchandise a consumer has to be in order to bring a cause of action under the statute.” Id. at 658. The manufacturer’s misrepresentations were found to have been made “in connection with” the sale to the consumer. Maryland’s CPA on the other hand, does not sweep as broadly as the language at issue in Pack & Process. See § 13-303 (prohibiting unfair or deceptive trade practices made “in” sale of goods).
The consumer’s action for alleged misrepresentations made by a drug manufacturer to a physician in Jones v. Sportelli, 166 N.J.Super. 383, 390, 399 A.2d 1047 (1979), rested upon the New Jersey statute’s definition of the term “sale,” which had been “liberally expanded by the Legislature” and encompassed “any ‘attempt directly or indirectly to sell.’ ” Because the patient was indirectly charged with the cost of the medicine, the court found that the manufacturer had “indirectly” sold the medicine to the consumer. See id. Kociemba v. G.D. Searle & Co., 680 F.Supp. 1293, 1305 (D.Minn.1988), adopted the same reasoning, on the ground that “the New Jersey statute cited in Jones is similarly worded to [the Minnesota statute at issue] to the extent that both statutes cover ‘direct and indirect’ outreaches to the public.” Thus, the actions in Jones and Kociemba did not proceed upon the basis of misrepresentations made in the sale from the manufacturer to the physician, but on the basis of misrepresentations made in an “indirect” sale between the manufacturer and the consumer. The analogous portion of Maryland’s statute does not define “sale” to encompass “indirect” attempts to sell. § 13-101®.
The alleged misrepresentations regarding the plywood at issue in this case are vastly different from the incorrect odometer readings at issue in State of Utah by Wilkinson v. B & H Auto, 701 F.Supp. 201, 204 (D.Utah 1988). The deceptive statement in Wilkinson was the odometer reading of used cars that were eventually sold to the plaintiffs. As with a deceptive statement on a label affixed by a manufacturer and passed along to the consumer, the odometer reading was transmitted verbatim to the consumer. Thus, the defendant’s statement *544was necessarily and directly transmitted to the consumer as a part of the sale to the consumer.
The dissent asserts that consumers “may” rely on a misrepresentation made by a manufacturer to another manufacturer or a supplier, because “[o]ften the manufacturer’s representations will be repeated by the intermediate seller, or the intermediate seller will show the manufacturer’s advertising to the consumer.” This concern, however, cannot justify the broad sweep of the rule advocated by the dissent, or the imposition of liability under the CPA in this case. An intermediate seller who provides false or deceptive information to a consumer is directly liable under the CPA. Sections 13-301 to 13-303 provide no exceptions for sellers who simply adopt false statements told to them by others. By giving consumers a cause of action against manufacturers for statements made to other manufacturers, the rule proposed by the dissent would re-write warranty law as it applies to any product that could be ultimately incorporated into a product used by consumers.
V.
The question presented to us in the cross-appeal concerns whether the plaintiffs have alleged facts sufficient to establish fraudulent concealment that would toll the four year statute of limitations contained in Maryland’s version of the UCC on sales. See Code (1975, 1992 Repl.Vol.), § 2-725 of the Commercial Law Article.11 We are unable to reach this issue, however, because the record does not reflect the dates on which sales of goods occurred. These dates are vital to the question before us because they mark the accrual of the cause of action. Indeed, the record could not reflect such dates because the plaintiffs have not alleged any sales of goods under which the defendants made implied warranties to the plaintiffs.
*545Because the plaintiffs have ho direct contracts with the defendants, they lack the privity that ordinarily has been required to maintain a contract action. See, e.g., Phipps v. General Motors Corp., 278 Md. 337, 349, 363 A.2d 955 (1976). Maryland’s UCC abolished the privity requirement in many circumstances, but not in the circumstances of this case. So called “vertical” privity, has been abolished for actions by the buyer. § 2-314(l)(b). A buyer is “a person who buys or contracts to buy goods.” Id. § 2-103(l)(a) (emphasis added). Therefore, the buyer of goods can sue anyone listed in § 2-314(l)(a), which includes essentially the entire distribution chain.
The plaintiffs in this case, however, were never buyers in a contract for the sale of goods. Under § 2-105, goods are “all things ... which are movable at the time of identification to the contract for sale____” (Emphasis added). When the defendants sold plywood to the builders, it was unquestionably a sale of goods, giving the builders the right to sue under the UCC’s implied warranties. The braiders built houses, incorporating the plywood into the roofs. At this point, the plywood ceased to be goods because it became a permanently affixed part of a townhouse and was thereafter not movable. Plaintiffs bought the plywood only as part of a sale of an entire house and only after the plywood had been permanently incorporated into the house. Therefore, when the plaintiff's bought their houses, the plywood was not goods; it was part of the real estate.
The only contracts for the sale of goods occurred between the defendants and the builders. Plaintiffs cannot sue for a breach of these contracts unless they can circumvent the so called “horizontal” privity requirement. This requirement has been abolished by § 2-318 for any person who is an “ultimate consumer or user of the goods or person affected thereby if it is reasonable to expect that such person may use, consume or be affected by the goods and who is injured in person by breach of the warranty.” (Emphasis added). The General Assembly specifically chose this language over anoth*546er option, known as the “third alternative,” which would have extended “the rule beyond injuries to the person.” § 2-318, comment 3. Therefore, the plaintiffs must be “injured in person” before they can sue, as foreseeable consumers or users of the product, under the warranties made in the contract between the defendants and the builders.
Maryland law also recognizes implied warranties for new home sales similar to those in the UCC. See Code (1974, 1988 RepLVol., 1994 Cum.Supp.), § 10-201 through 10-204 of the Real Property Article. The plaintiffs, however, cannot sue these defendants under the new home warranties because the warranties are given only by builders and real estate brokers, not by manufacturers of construction materials. Id. §§ 10-201,10-203. Moreover, there are ordinarily no other warranties implied in the sale of a house. Loch Hill Constr. Co. v. Fricke, 284 Md. 708, 713, 399 A.2d 883 (1979); Neary v. Posner, 253 Md. 401, 405, 252 A.2d 843 (1969); Allen v. Wilkinson, 250 Md. 395, 398, 243 A.2d 515 (1968).
Accordingly, we agree with the trial court’s dismissal of the UCC warranty claims, not on limitations grounds, but on the ground that, based on the facts alleged in the complaint, the plaintiffs’ claims are simply not cognizable under the UCC.12
*547 JUDGMENT OF THE COURT OF SPECIAL APPEALS AFFIRMED IN PART AND REVERSED IN PART. ALL COSTS IN THIS COURT AND IN THE COURT OF SPECIAL APPEALS TO BE PAID BY PETITIONERS/CROSS-RESPONDENTS.
. The complaint describes the class as
”[a]ll present owners of roofs or buildings, including townhouses, in the State of Maryland and in the United States, where the roofs were at any time constructed with fire retardant treated plywood, manufactured, treated, produced, tested, inspected, marketed and/or sold by Osmose Wood Preserving, Inc, [sic] Hoover Universal, Inc. or Hoover Treated Wood Products, Inc., and prior owners of said buildings who have paid for the inspection, replacement or repair of said buildings’ roofs.”
The circuit court dismissed the complaint before the class was certified.
. According to the complaint, Hoover Universal sold the assets of its wood preserving division to Hoover Wood on September 28, 1983. *527Under the terms of the sale, Hoover Universal retained liabilities for products sold prior to the sale of the assets.
. The plaintiffs, in a previous version of the complaint, alleged that Plaintiff Herlihy had been warned to stay off of her roof because of the FRT plywood. See infra note 4 (explaining the procedural history of the case prior to the current version of the complaint). They also alleged that local fire departments have cautioned fire fighters not to walk on roofs containing FRT plywood. Further, they alleged that “[tjhere have been instances where homeowners and others have fallen through roofs constructed of defendants’ FRT plywood while attempting to perform maintenance work on these roofs.” After the defendants filed a motion to strike certain irrelevant and scandalous statements from the complaint, and Judge Cave, at a hearing on September 25, 1992, stated that “much of what is contained in the complaint ... isn’t necessary to put *528into the complaint," plaintiffs omitted these allegations from their fourth and final amended complaint.
. The plaintiffs Morris, Mills, and Herlihy filed the original complaint on January 9, 1991, against all present defendants. The complaint contained five counts, including (I) strict liability, (II) negligence, (III) breach of implied warranties, (IV) negligent misrepresentation, and (V) violations of state consumer protection acts. On February 12, 1991, Morris, Mills, and Herlihy filed a first amended complaint, which added Johnson Controls, Inc. as a defendant. The first amended complaint prompted motions by all defendants to dismiss. On May 17, 1991, before the court ruled on the motions to dismiss, plaintiff Karbeling joined Morris, Mills, and Herlihy in filing a second amended complaint, which also prompted motions to dismiss from all defendants. After a hearing, the court (McKenna, J.) ordered:
1. that all claims against Johnson Controls, Inc., be dismissed;
2. that all tort counts (strict liability, negligence, and negligent misrepresentation) against all remaining defendants be dismissed;
3. that the breach of implied warranty count against Hoover Universal and Hoover Wood be dismissed because they are barred by the statute of limitations;
*5294. that Osmose’s motion to dismiss the implied warranty count be denied as to any claims concerning plywood delivered on or after January 9, 1987;
5. that Osmose’s motion for a more definite statement as to the implied warranty count be granted;
6. that defendants’ motions to dismiss the Consumer Protection act count be denied;
7. that defendants’ motions for a more definite statement as to the Consumer Protection Act count be granted.
Despite this dismissal with prejudice of some of the counts, plaintiffs filed a third amended complaint, reasserting all counts against Osmose, Hoover Universal, and Hoover Wood and adding a specific count for violations of the Maryland Consumer Protection Act (Count V), separate from the count based on unspecified state consumer protection acts (Count VI). Defendants filed motions to dismiss. After a hearing on the motions, but before a ruling, the plaintiffs filed the fourth amended complaint, omitting Count VI and some statements claimed by the defendants to be scandalous or impertinent.
. The court mistakenly assumed that Judge McKenna had previously dismissed the Consumer Protection Act claim, and “declinefd] to disturb the dismissal" of that count.
. We found particularly persuasive the decision of the Supreme Court of Minnesota in 80 S. 8th St. Ltd. Ptsp. v. Carey-Canada, 486 N.W.2d 393 (Minn.1992). U.S. Gypsum, supra, 336 Md. at 156, 647 A.2d 405. We explained that the Minnesota court had allowed “plaintiffs to proceed in tort based on allegations that the asbestos-containing materials posed a substantial and unreasonable risk of personal injury to building users.” Id. at 157, 647 A.2d 405.
. In Whiting-Turner, supra, 308 Md. at 35, 517 A.2d 336, we found the reasoning of the Indiana Supreme Court in Barnes v. Mac Brown and Company, 264 Ind. 227, 342 N.E.2d 619 (Ind.1976), to be persuasive. The court had stated:
“If there is a defect in a stairway and the purchaser repairs the defect and suffers an economic loss, should he fail to recover because he did not wait until he or some member of his family fell down the stairs *535and broke his neck? Does the law penalize those who are alert and prevent injury? Should it not put those who prevent personal injury on the same level as those who fail to anticipate it?”
Id. 342 N.E.2d at 621.
Likewise, in U.S. Gypsum, supra, we stated: " ‘Rather than waiting for an occupant or user of the building to develop an asbestos-related injury, we believe building owners should be encouraged to abate the hazard to protect the public.’ ” Id. at 158, 647 A.2d 405 (quoting 80 S. 8th, supra, 486 N.W.2d at 398).
. All statutory references in this portion of the opinion refer to Code (1975, 1990 Repl.Vol.), Commercial Law Article, unless otherwise indicated.
. In the present case, plaintiffs have alleged that defendants have engaged in the following unfair and deceptive trade practices, which are listed in § 13-301:
(1) False, falsely disparaging, or misleading oral or written statement, visual description, or other representation of any kind which has the capacity, tendency, or effect of deceiving or misleading consumers;
(2) Representation that:
(i) Consumer goods, consumer realty, or consumer services have a sponsorship, approval, accessory, characteristic, ingredient, use, benefit, or quantity which they do not have;
(iv) Consumer goods, consumer realty, or consumer services are of a particular standard, quality, grade, style, or model which they are not;
*538(3) Failure to state a material fact if the failure deceives or tends to deceive;
sjs % # :H sj: #
(9) Deception, fraud, false pretense, false premise, misrepresentation, or knowing concealment, suppression, or omission of any material fact with the intent that a consumer rely on the same in connection with;
(i) The promotion or sale of any consumer goods, consumer realty, or consumer service;
* # * * sjs *
. We have held that a private party suing under the CPA must establish actual injury or loss, despite the language in § 13-302, which states: “Any practice prohibited by this title is a violation of this title, whether or not any consumer in fact has been misled, deceived, or damaged as a result of that practice.” CitaraManis, supra, 328 Md. at 151-53, 613 A.2d 964.
. All statutory references in this portion of the opinion refer to Code (1975, 1992 Repl. Vol.), Commercial Law Article, unless otherwise indicated.
. We disagree with the description by the Court of Special Appeals of fraudulent concealment under Code (1974, 1989 Repl.Vol.), § 5-203 of the Courts and Judicial Proceedings Article. We have previously held that "where the underlying cause of action is deceit, § 5-203 does not require a fraud distinct from, and independent of, the original fraud for the purpose of keeping the injured party in ignorance of the cause of action.” Geisz v. Greater Baltimore Medical, 313 Md. 301, 325, 545 A.2d 658 (1988). Also, the fraud may be “an express, knowingly false misrepresentation.” Id.
Clearly, the complaint does not allege that defendants Hoover Wood and Hoover Universal knew their statements were false at the time they sold the plywood that eventually comprised the roofs belonging to Herlihy and Karbeling. Nevertheless, the Court of Special Appeals implied that plaintiffs could establish fraudulent concealment simply by showing (1) that the plaintiffs were diligent in their efforts to pursue their causes of action and (2) that the defendants controlled all information concerning the plywood defects and did not disclose it to the *547plaintiffs. Non-disclosure, however, has never been sufficient to establish fraud, in any context, absent some duty to disclose.