Credit Imithetho phakama phantsi bobabini urhulumente kwaye federal imigaqo elawula inzala, iimali ezihlawulwayo, imali advances, imirhumo izandiso ka-credit kwi-eninzi ka-wangaphambili wamisa amaxesha, emva kwexesha imirhumo okanye delinquency imirhumo, premiums kwi-credit life kwaye credit kunokwenzeka ingozi kwaye ye-inshorensi yezempilo, imirhumo yonyaka nezinye iintlawulo kwaye imirhumo, kunye nabanye abaninzi
Ukuba ishishini izibonelelo credit ukuba abathengi, kuya kufuneka uhambelane federal imithetho echaphazela credit iintengiso anikezelwa abasebenzisi bamanzi, ngokunjalo urhulumente nemithetho whichever kolawulo lwesixeko kubalulekile zokusebenza.
Federal credit imithetho ziquka Inyaniso Abolekisa Act (TILA), Elifanelekileyo Credit Yentlawulo Act (FCBA), No-Credit Ithuba Act, Elifanelekileyo Credit lokwenza ingxelo Act (FCRA), kwaye Elifanelekileyo Ityala Uqokelelo Ukuba Act (FDCPA). Lo Mthetho ikunceda ukwazi abathengi ngabo agreeing ukuya kwi-credit intengiselwano.
Kuya kufuna amashishini ukuba disclose zabo exact credit mimiselo kwaye regulates njani credit bamatyala unako akwazi ukufikelela kwinani.
Kufuneka enobudlelane ziquka ngenyanga iimali ezihlawulwayo, inzala yonyaka amazinga, intlawulo ngenxa imihla, iyonke ziyathengiswa amaxabiso, kwaye njani emva kwexesha imirhumo ingaba assessed njani kakhulu ngabo.
Oku federal umthetho governs yentlawulo iimpazamo kwi-credit ii-akhawunti. Umthengi kufuneka wazise kwabo babonelela ngemboleko-mali ezingama- imihla i-ayilunganga kwentlawulo, kwaye credit inkampani kufuneka ukuphendula zingaphelanga iintsuku ezingama. I-creditor kufuneka kuqhuba uphando amanyathelo afanelekileyo, zingaphelanga iintsuku ezingama- yokufumana yomthengi ileta, zichaza ukuba kutheni oyilwayo lowo echanekileyo okanye ulungise impazamo. Ukungaphumeleli a creditor ukuba uza kusebenzisa ngenxa kwi $ credit kwiintlanganiso i-disputed isixa-mali, nkqu ukuba lo mthetho usayilwayo waba echanekileyo, kwaye creditor ayikwazi ingxelo disputed isixa-mali kwi-credit nee-arhente de njl ngu igqityiwe. Credit iinkampani akavumelekanga ukuba discriminate ngokuchasene i-sicelo kwi qho ngokobuhlanga, umbala, inkolo, lemveli wesizwe, ubudala, isini, okanye somtshato. Kuphela justifiable bases kuba declining ukuba ukwandisa i-credit zizinto njenge-sicelo ngu-mali se - (earnings kwaye savings) kwaye credit mbali. Nangona kukho prohibition ngokuchasene eli-calulo, i-credit inkampani unako ukwala i-consumer ngubani underage.
Lo federal umthetho ngokukodwa enxulumene credit lokwenza ingxelo nee-arhente ezingamahlakani.
Oko kuyakhusela kubathengi ukusuka haiving zabo eligibility ye-credit disrupted njengoko ngenxa engagqitywanga okanye olahlekisayo ulwazi equlethwe kulo omnye ke, umniki ngxelo. Umthetho unika kubathengi ilungelo kufumana ikopi yabo umniki ngxelo kwaye umngeni ezingachanekanga ulwazi equlethwe kulo. Ukuba ishishini lokwenza ingxelo ezingachanekanga ulwazi ingaba na utshintsho okanye cima ezingachanekanga ulwazi emva ekubeni alerted ukuba inaccuracy, umthengi unako dibanisa i ilizwi ingxelo ifayile ocacisa yakhe okanye yakhe icala ibali. Oku federal umthetho iidilesi abusive iindlela olusetyenziswa yi-aplikeshini zabanye abantu wokuqokelelwa. Lo mthetho unako ukwenza eyimali kuba harassing okanye abusive iindlela ezilungileyo, ngathi lithetha ukuba abantu nezinye kunokuba debtor malunga obligation, izama bizo, ukuzama ukuqokelela izixa-mali hayi ngenxa, intentionally lokwenza ingxelo ezingachanekanga ukuba izixa-mali credit lokwenza ingxelo nee-arhente, njalo-njalo.
Amanqaku ibhalwe ngu attorneys kwaye ingcaphephe kwihlabathi liphela ngokuxoxa isemthethweni imiba enxulumene Debtor kwaye Creditor kuquka: bankruptcy, qokelela, credit kwaye mortgage, ityala imali kwaye insolvency.
