consumer credit
consumer credit 〈英〉消费信贷；消费者信贷 为使不能或不愿立即付款的个人能购买商品或服务而发放的短期和中期贷款，包括金钱借贷、典押、赊销、小额贷款、租购、邮购和分期付款等。在英国，对这类交易的法律调整是从19世纪后期以一种相当偶然的方式发展起来的。1974年《消费者信贷法》〔Consumer Credit Act〕则在很大程度上使之合理化了。
Search Results for: consumer credit
consumer credit sale
A sale in which the seller extends credit to the consumer. • A consumer-credit sale includes a lease in which the lessee’s rental payments equal or exceed the retail value of the item rented. [Cases: Consumer Credit 3. C.J.S. Interest and Usury; Consumer Credit§§ 280–293, 306.]
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consumer credit protection act
Consumer Credit Protection Act. A federal statute that safeguards consumers in the use of credit by (1) requiring full disclosure of the terms of loan agreements, including finance charges, (2) restricting the garnishment of wages, and (3) regulating the use of credit cards. 15 USCA §§ 1601–1693. • Many states have also adopted consum-er-credit-protection acts.
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Consumer Credit Code
Consumer Credit Code 〈美〉消费信贷法典 由美国若干州统一适用的一部法典，其宗旨与美国联邦《消费信贷保护法》〔Consumer Credit Protection Act〕相同。 (→Uniform Consumer Credit Code)
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consumer credit sale
consumer credit sale 消费者信贷买卖；赊销 指由卖方提供或安排消费信贷的任何买卖交易。包括以财物寄托或租赁形式成立的合同，只要受托人或承租人承诺支付与商品或服务价值基本相当或略高的款项，并在实际完全履行了合同义务后，就成为该财产的所有人。
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Uniform Consumer Credit Code/U.C.C.C./U3C
Uniform Consumer Credit Code/U.C.C.C./U3C 〈美〉《统一消费者信贷法》 美国的一部统一法，颁布于1968年，仅为部分州所采纳。其目的在于：１使有关消费者信贷和利益的法律得以简化、清晰化和现代化；２规定最高利率以保证对消费者信贷的适当供应；３促进消费者对信贷交易条款的理解，在消费者和信贷供应人之间形成竞争以使消费者能够以合理成本获取信贷；４制止某些消费信贷供应人的不正当行为，以保护消费者和合法信贷者的正当利益；５承认和鼓励发展正当、良好的消费信贷行为；６与《联邦借贷事实披露法》〔Federal Truth-in-Lending Act〕有关披露消费者信贷的规定相协调一致；７在不同管辖地之间形成包括行政规则在内的统一法。 (→Consumer Credit Protection Act；Truth-in-Lending Act)
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consumer credit
Credit extended to an individual to facilitate the purchase of consumer goods and services. [Cases: Consumer Credit 1. C.J.S. Interest and Usury; Consumer Credit § 274.]
Consumer Credit Protection Act
Consumer Credit Protection Act 〈美〉《消费者信贷保护法》 也称《真实贷款法》〔Truth-in-Lending Acts，简称TILA〕，联邦和州制定法，要求１完全披露贷款协议的条款，包括融资费用；２限制扣押消费者的工资；３规范信用卡的使用方式。 (→annual percentage rate; Equal Credit Opportunity Act; Fair Credit Billing Act; Fair Credit Reporting Acts; Fair Debt Collection Practices Act; Truth-in-Lending Act; Uniform Consumer Credit Code)
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consumer credit transaction
consumer-credit transaction. A transaction by which a person receives a loan for buying consumer goods or services. • Consumer-credit transactions are usu. subject to regulations enacted for the consumer’s protection. [Cases: Consumer Credit 1, 3. C.J.S. Interest and Usury; Consumer Credit§§ 274, 280–293, 306.]
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consumer credit counseling service
consumer credit counseling service 消费信用咨询服务
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