Anchiy | E+ | Cov duab Getty
Qee cov nqi "quav" feem ntau them los ntawm cov neeg sau nqi yog txhaum cai raws li tsoomfwv txoj cai lij choj, Consumer Financial Protection Bureau tau hais rau hnub Wednesday.
Cov nuj nqis sau them tus nqi hu ua "them-rau-them" cov nqi, uas tseem hu ua tus nqi yooj yim, thaum cov neeg siv khoom them nyiaj hauv online lossis hauv xov tooj, raws li tsoomfwv lub koomhaum.
Cov nqi no ua txhaum Txoj Cai Ncaj Ncees Kev Sau Cov Nuj Nqis thaum lawv tsis "tso cai los ntawm kev pom zoo tsim cov nuj nqis" lossis thaum lawv tsis "tso cai lij choj," CFPB tau hais. hauv kev tawm tswv yim.
Ntxiv ntawm Nyiaj Txiag:
Yeej $ 1 lab Mega lab daim pib tab tom yuav tas
Ntawm no yog yuav ua li cas txuag nyiaj ntawm cov nqi cua txias raws li tus nqi nce
Yuav tam sim no, them rov qab cov nyiaj rov qab tuaj yeem ua kom yuam kev
"Tsoomfwv txoj cai lij choj feem ntau txwv tsis pub cov neeg sau nuj nqis los ntawm kev them nqi ntxiv uas tsis tau tso cai los ntawm thawj qhov qiv," CFPB Tus Thawj Coj Rohit Chopra hais tias Hnub Wednesday hauv tsab ntawv sau. "Hnub no cov lus tawm tswv yim qhia tau hais tias cov nqi no feem ntau tsis raug cai, thiab muab cov lus qhia txog tus nqi uas tus neeg sau nqi tuaj yeem sau tau raws cai."
Txoj Cai Tiv Thaiv Nyiaj Txiag Rau Cov Neeg Siv Khoom tau hloov pauv lub luag haujlwm tseem ceeb rau Txoj Cai Kev Sau Nqi Ncaj Ncees, suav nrog kev tshaj tawm cov cai thiab ua kom muaj kev ua raws cai, rau CFPB hauv xyoo 2010, raws li lub koomhaum tshaj tawm.
Lub chaw ua haujlwm muab ib daim ntawv thov 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. Lub lim tiam dhau los, CFPB cov thawj coj qhia tias lawv tuaj yeem nruj txoj cai tswj cov nqi them lig los ntawm cov tuam txhab credit card, uas lub koom haum tau faib ua lwm hom "khoom tsis zoo" tus nqi.
'Hnyav tes' rau qee tus, txais tos kev pab rau lwm tus
US Chamber of Commerce rau hnub Tuesday hu ua Chopra cov txheej txheem "kev xav tau tsav" thiab "tsis raug cai," tsim "tsis paub meej" uas yuav ua rau cov tuam txhab nyiaj txiag txwv tsis pub qiv nyiaj qiv tsheb thiab qiv nyiaj rau tus kheej rau cov neeg siv khoom.
Ntawm lwm qhov kev thuam, pawg lag luam kev lag luam tau hais tias tus thawj coj ntawm lub chaw haujlwm "coined lo lus 'cov nqi tsis raug' raws li 'cov nyiaj tau los ntawm kev siv nyiaj' hauv kev sim hnyav los ua phem rau cov khoom raug cai uas muaj cov lus qhia zoo. "
Leah Dempsey, tus tswv cuab ntawm lub chaw tos txais Brownstein Hyatt Farber Schreck thiab tus kws pab tswv yim rau ACA International, pawg lag luam sawv cev rau cov neeg sau nuj nqis, ua rau tsis ntseeg txog qhov raug cai ntawm CFPB qhov kev ua hnub Wednesday.
"Muaj kev txiav txim plaub ntug hauv ntau lub xeev uas cuam tshuam qhov kev ua hnub no ntawm ib tus thawj coj tsis raug xaiv tsa ntawm CFPB," Dempsey tau hais hauv tsab ntawv sau tseg.
Tab sis qee pawg neeg siv khoom pom kev nqis tes ua ntxiv ntawm cov nqi sau nqi txais tos los daws cov teeb meem nyiaj txiag ntawm cov tsev neeg muaj teeb meem.
"Cov tib neeg nyob rau hauv cov xwm txheej no tsawg kawg tuaj yeem nqa lub nra ntxiv ntawm tus nqi" cuam tshuam nrog cov nuj nqis uas lawv twb muaj teeb meem them rov qab, raws li Bruce McClary, tus lwm thawj coj loj ntawm kev koom tes thiab kev sib txuas lus ntawm National Foundation for Credit Counseling, ib lub koom haum nonprofit. muab tswv yim nuj nqis rau cov neeg siv khoom.
Tau qhov twg los: https://www.cnbc.com/2022/06/29/debt-collectors-pay-to-pay-fees-often-illegal-says-watchdog-agency.html