finance charge

finance charge

finance charge. An additional payment, usu. in the form of interest, paid by a retail buyer for the privilege of purchasing goods or services in installments. • This phrase is increasingly used as a euphemism for interest. See INTEREST(3). [Cases: Consumer Credit 52; Usury 53. C.J.S. Interest and Usury; Consumer Credit §§ 162, 165–168, 328.]

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finance charge

finance charge 融资费用 为取得赊购信用优惠支付的对价,如买受人以分期付款方式为其所购商品、服务支付之费用等,但不包括保险费、拖欠费〔delinquency charges〕、律师费、法庭费用等。在美国,融资费用受州或联邦《诚实贷款法》〔Truth-in-Lending Act〕调整,该法要求提供赊购信用者全面披露融资费用的情况。本词愈来愈作为代替「利息」〔interest〕一词的矫揉造作之用法。(→Truth-in-Lending Act)

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