[ Diretor: Mário Frota [ Coordenador Editorial: José Carlos Fernandes Pereira [ Fundado em 30-11-1999 [ Edição III [ Ano XII

terça-feira, 29 de abril de 2008

Ensuring a Responsible Credit Market - Principles for Responsible Credit

Why we are concerned
For today’s consumers, consumer credit contracts now rank as high in importance as contracts for employment. But overindebtedness has also become a similar threat in modern times to unemployment in the last century. Sustainable development therefore requires access to responsible credit products and services.
At the present time many consumer credit agreements are far from transparent, and involve terms and conditions that are at best confusing and at worst, deliberately misleading to consumers. These agreements often involve multiple firms, and anticipate that consumers will pay additional fees for unforeseen contingencies; many also require the purchase of linked services such as insurance of unpaid balances. The consequences for consumers who are unwilling or unable to pay attention to these details can be devastating.
Consumer Credit makes potential future income available for current spending on items such as consumption, education, starting a business, and paying for health care. As such, consumer credit is a basic element of participation in the economic life of modern society. The benefits of access to credit are many, including developing national wealth and meeting basic consumer needs. However, there can also be a dark side to consumer credit — in some cases, it can destroy families, and lead to the loss of valuable assets including homes. The continued extension of credit at high cost to people on inadequate incomes only serves to deepen the levels of poverty that they experience. click here

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