Economics Essay 代写:消费信贷

2017-04-23 00:21

该法案被描述为包含一个详细的消费信贷法典，并作为“一块很好的技法，但像所有的法律产生的问题以及解决问题。”[ 5 ]应该从一开始就指出，在法律，中央的政策是保护债务人（给客户规定的协议获得信贷的名称）。这就是意图对不法债权人提供有效保护的意图，即该行为使某些行为成为犯罪。然而，在这些情况下，唯一的制裁是罪犯。该法案禁止债务人同时起诉违反法定义务。[ 6 ]，我们也将看到具体的目标已纳入法律制度，以期增加提供给债务人的保护；特别是“真相贷款”和“有效信息”的要求，消费信用立法寻求治理是消费信贷协议的广告的一个重要方面，也是在这里，人们可以看出，在开盘表现自己提到的目标。在原来的法案，国务卿有权在广告消费信贷安排方面作出规定。[ 7 ]老系统分类广告信用协议为“简单”、“中等”和“完全”。然而，这被替换的基础上，它是不必要的复杂，由消费信贷（广告）条例2004，现在适用于信用广告。本法例所载的要求，可以看出，以反映信息需求的目标。广告必须根据规定，使用“平和易懂的语言，容易辨认的（或在口服，任何信息的情况下清楚的），并指定广告商的名字。”[ 8 ]这是规定整个；但立法进一步寻求其真相贷款目标和提供必要的信息的要求。这是通过指定一定数量的指标必须显示在某些情况下，即数量，数量和频率的付款，总金额根据协议，以及任何费用已收取。然后，人们可以看到，在广告的背景下，消费信贷立法旨在实现上述提到的目标。
Economics Essay 代写:消费信贷
The Act has been described as containing a detailed code of consumer credit law, and as “a very good piece of draftsmanship, but like all statutes it creates problems as well as solving them.”[5] It should be noted from the outset that a central policy behind the statute is the protection of debtors (the name given to customers obtaining credit under regulated agreements). Such is the gravity of the intention to afford effective protection against unscrupulous creditors that the Act makes certain actions criminal offences. In these instances, however, the only sanction is a criminal one. The Act prohibits the debtor from also suing for breach of statutory duty.[6] We will also see how specific aims have been incorporated into the legal regime with a view to increasing the protection available to debtors; specifically “truth in lending” and “effective informational requirements”.A key aspect of consumer credit which the legislation seeks to govern is the advertising of consumer credit agreements, and it is here that one can discern the objectives mentioned in the opening quotation manifesting themselves. In the original Act, the Secretary of State is empowered to make regulations in respect of advertising consumer credit arrangements.[7] The old system categorised advertisements of credit agreements into “simple”, “intermediate” and “full”. This, however, was replaced on the basis that it was unnecessarily complicated, by the Consumer Credit (Advertisement) Regulations 2004 which now applies to credit advertisements. The requirements contained in this legislation can be seen to mirror the objectives of informational requirements. Advertisements must, under the Regulations, use “plain and intelligible language, be easily legible (or in the case of any information given orally, clearly audible), and specify the name of the advertiser.”[8] This underlies the whole of the Regulations; but the legislation goes further in seeking its objectives of truth in lending and providing the requisite informational requirements. This is achieved by specifying that a number of indicators must be shown in certain circumstances; namely the amount, number and frequency of payment, the total amount payable under the agreement, and any fees that have been charged. One can see, then, that in the context of advertising, the consumer credit legislation seeks to achieve the objectives referred to above.

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