Video: TILA nthuav tawm dab tsi?
2024 Tus sau: Stanley Ellington | [email protected]. Kawg hloov kho: 2023-12-16 00:17
Qhov tseeb hauv Lending Act ( TILA ) xav kom cov qiv nyiaj nthuav tawm cov ntaub ntawv tseem ceeb rau cov neeg qiv nyiaj txog tus nqi qiv nyiaj ua ntej tus qiv yuav pom zoo rau cov nyiaj qiv. Piv txwv li, TILA nthuav tawm yuav tsum tau rau tag nrho cov tsheb qiv thiab qiv tsev rau tsev.
Tsis tas li ntawd, Tila xav tau kev nthuav tawm dab tsi?
Cov neeg qiv nyiaj yuav tsum muab Daim Ntawv Qhia Txog Qhov Tseeb Hauv Qiv (TIL) uas suav nrog cov ntaub ntawv hais txog tus nqi ntawm koj cov nyiaj qiv, txhua xyoo tus nqi (APR), cov nqi them nyiaj (nrog rau cov nqi thov, cov nqi lig, cov nqi them ua ntej), lub sijhawm them nyiaj thiab tag nrho cov nyiaj them rov qab rau lub neej ntawm cov nyiaj qiv.
Tsis tas li ntawd, Tila lub hom phiaj yog dab tsi? Qhov tseeb hauv Lending Act ( TILA ) yog siv los ntawm Pawg Thawj Coj Txoj Cai Z (12 CFR Part 226). Ib tug thawj coj lub hom phiaj ntawm TILA yog los txhawb kev paub txog kev siv cov neeg siv khoom siv credit los ntawm kev xav tau nthuav tawm txog nws cov nqe lus thiab tus nqi.
Kuj paub, thaum twg yuav tsum tau muab TILA nthuav tawm?
Raws li Consumer Financial Protection Bureau, koj yuav tsum ua muab ib tsab ntawv TILA nthuav tawm , ua ntej koj yuav tsum raug cai los them cov nyiaj qiv. Qhov tseem ceeb ntawm kev pom nws ua ntej koj yuav luag tsis tuaj yeem overstated.
Tila txhais li cas?
Qhov tseeb hauv Lending Act ( TILA ) yog tsoomfwv txoj cai lij choj dhau xyoo 1968 los tiv thaiv cov neeg siv khoom qiv nyiaj. Nws yuav tsum tau thiab standardizes nthuav tawm txog cov nqe lus qiv thiab cov nqi. Nws kuj muab qee cov cai rau cov neeg siv khoom thiab ncua sijhawm rau kev tshem tawm qee qhov kev hloov pauv nyiaj qiv.
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