Rohit Chopra, tus thawj coj ntawm Consumer Financial Protection Bureau, ua tim khawv thaum lub rooj sib tham Senate Banking, Housing and Urban Affairs Committee rau lub Plaub Hlis 26, 2022.
Tom Williams | Cq-roll Hu, Inc. | Cov duab Getty
Consumer Financial Protection Bureau tau ceeb toom txog kev tawm tsam cov nqi them lig los ntawm cov tuam txhab credit card rau hnub Wednesday, vim tias kev nce nqi nce ntxiv rau cov nqi hu ua "quav" uas tau them rau cov neeg siv khoom.
Lub chaw saib xyuas, ib lub koomhaum tseemfwv tau tsim los ntawm kev muaj teebmeem nyiaj txiag xyoo 2008, tau tshaj tawm tsab ntawv ceeb toom ua ntej ntawm kev thov txoj cai nrhiav cov ntaub ntawv los ntawm daim npav rho nyiaj, pab pawg neeg siv khoom thiab cov pej xeem ntawm cov nqi lig.
Cov ntaub ntawv yuav pab tus tswj hwm tsim cov cai tshiab txhawm rau txhawm rau txhawm rau "cov chaw tsis muaj zog" hauv cov kev cai lij choj uas twb muaj lawm uas tswj hwm "kev nplua rov qab" los ntawm cov tuam txhab daim npav, CFPB tus thawj coj Rohit Chopra tau hais hauv xov xwm hnub Wednesday.
Ntxiv ntawm Nyiaj Txiag:
100 lab tus neeg laus muaj nuj nqis kho mob
Ntau lab cov se rov qab tseem tsis tau ua tiav
Cov tub ntxhais kawm qiv nyiaj zam txim rau qhov teeb meem hauv chav ua haujlwm, Schumer hais
Cov lus tshaj tawm pej xeem yuav dhau los ntawm Lub Xya Hli 22. Lub sijhawm ntawm cov lus pom zoo txoj cai (thiab qhov kawg yog txoj cai zaum kawg) tsis meej, tab sis cov thawj coj hauv lub koom haum tau hais tias lawv tsis xav tias cov txheej txheem yuav xaus ua ntej xyoo xaus.
Cov thawj coj cia siab tias yuav hloov pauv kom txo tag nrho cov nqi lig los ntawm ntau lab daus las txhua xyoo, lawv tau hais rau hnub Wednesday. Lawv kuj tau tshaj tawm cov kev cai yav tom ntej ntawm lwm hom nqi, yam tsis muaj kev qhia tshwj xeeb.
Credit card lig nqi
Ntau tshaj 175 lab tus neeg Asmeskas tuav tsawg kawg ib daim npav rho nyiaj, raws li CFPB.
Tag nrho cov nqi lig yog $ 12 nphom hauv xyoo 2020, qis me ntsis los ntawm $ 14 nphom cov ntaub ntawv tau teev tseg rau xyoo dhau los, CFPB tau hais hauv qhov tsis ntev los no. daim ntawv qhia.
Tus nqi cuam tshuam cuam tshuam rau cov neeg siv nyiaj tsawg thiab feem ntau-Black zej zog, raws li tus tswj hwm.
Tus saib xyuas qhia tus nqi lig raws li hom "khoom tsis zoo" tus nqi them los ntawm credit card issuers. Lub koom haum muaj muab ib daim ntawv thov cais Lub Ib Hlis Ntuj nug cov neeg siv khoom rau cov tswv yim ntawm cov nqi zais thiab cov nqi ntau dhau los ntawm ntau tus qiv nyiaj.
"Qhov no tsuas yog ib txoj haujlwm hais txog ib yam ntawm cov nqi tsis txaus ntseeg," raws li CFPB tus thawj coj, uas tau hais txog keeb kwm yav dhau los. "Kuv xav tias nws yog qhov ncaj ncees hais tias yuav muaj lwm txoj haujlwm hais txog lwm tus nqi nyob rau yav tom ntej."
Kev ploj ntawm qhov kev tshaj tawm no yog qhov tseeb tias cov tsev txhab nyiaj - ntau dua li lwm yam kev lag luam - tau ua cov kauj ruam tseem ceeb los ua kom lawv cov khoom lag luam pheej yig dua thiab siv tau rau ntau lab tus neeg Asmeskas.
Richard Hunt
Thawj Tswj Hwm thiab CEO ntawm Consumer Bankers Association
Richard Hunt, tus thawj tswj hwm thiab CEO ntawm Consumer Bankers Association, tau hais tias kev txwv ntxiv yuav ua rau cov neeg siv khoom txaus ntshai thiab tuaj yeem thawb lawv mus rau qhov pheej hmoo ntawm credit.
"Hnub no cov lus tshaj tawm yog lwm qhov ceeb toom uas Lub Chaw Haujlwm zoo li txaus siab rau kev txhawb nqa cov txheej txheem tshwj xeeb tshaj li tsim cov cai raws li qhov tseeb uas txhim kho lub neej ntawm cov tsev neeg ua haujlwm nyuaj," Hunt tau hais hauv nqe lus. "Kev ploj ntawm qhov kev tshaj tawm no yog qhov tseeb tias cov tsev txhab nyiaj - ntau dua li lwm qhov kev lag luam - tau ua cov kauj ruam tseem ceeb los ua kom lawv cov khoom pheej yig dua thiab siv tau rau ntau lab tus neeg Asmeskas."
CFPB yuav ua li cas?
Cov nqi siab tshaj plaws "chaw nres nkoj nyab xeeb" no tau hloov kho rau kev nce nqi txhua xyoo - muab qhov ceev rau CFPB txoj cai tswj hwm lub sijhawm thaum cov neeg siv khoom muaj nqis. nce ntawm lawv qhov nrawm tshaj plaws hauv 40 xyoo.
"Qhov kev siv zog no tshwj xeeb yog raws sijhawm raws li txoj cai tso cai rau cov tsev txhab nyiaj nce lawv cov nqi raws li kev nce nqi," raws li CFPB tus thawj coj. "Muaj ntau [neeg] tau tawm tsam kom ua tiav lub sijhawm tam sim no thiab tawm tsam raws li tus nqi siab dua."
Feem ntau cov tsev txhab nyiaj me thiab cov koom haum qiv nyiaj them tus nqi siab tshaj plaws ntawm $ 25 lossis tsawg dua, tab sis yuav luag txhua tus neeg tshaj tawm loj tshaj plaws muaj tus nqi ntawm lossis ze rau qhov siab tshaj plaws, raws li CFPB cov ntaub ntawv.
Chopra nug seb tus nqi them rau kev them nyiaj lig nce nrog kev nce nqi, lossis yog tias nws tsim nyog xav tias cov nqi yuav txo qis vim kev txhim kho hauv kev siv thev naus laus zis.
Txawm li cas los xij, Hunt ntawm Consumer Bankers Association tau teeb tsa kev nce nqi raws li qhov laj thawj loj vim li cas CFPB yuav tsum tsis txhob txwv cov cai ntxiv rau kev lag luam.
"Kev txwv ntau dua ntawm cov khoom lag luam qiv nyiaj hauv tuam txhab nyiaj yuav ua rau cov tsev neeg ua haujlwm nyuaj tshaj plaws, yuam kom lawv ua tau raws li lawv cov kev xav tau sab nraud ntawm lub tuam txhab tswj hwm zoo," Hunt hais. "Qhov kev pheej hmoo no tseem loj dua tam sim no vim cov tsev neeg sib cav txog qhov cuam tshuam ntawm kev nce nqi."
CFPB tau hais tias nws tab tom nrhiav cov ntaub ntawv ntawm cov ntsiab lus hauv qab no, thiab lwm yam: cov khoom siv los ntawm cov neeg siv daim npav los teeb tsa cov nqi them lig; cov tuam txhab cov nqi thiab kev poob uas cuam tshuam nrog kev them nyiaj lig; kev cuam tshuam ntawm cov nqi lig; tus neeg tuav daim npav tus cwj pwm them nyiaj lig; cov kev lag luam siv los pab txhawb lossis txhawb kom them nyiaj raws sij hawm (xws li autopay thiab ceeb toom); thiab lawv siv "kev nyab xeeb chaw nres nkoj" cov kev cai.
Tau qhov twg los: https://www.cnbc.com/2022/06/22/cfpb-may-limit-credit-card-late-fees-as-inflation-threatens-to-raise-them.html