\u7f8e\u56fd\u6d88\u8d39\u8005\u91d1\u878d\u4fdd\u62a4\u5c40\uff08Consumer Financial Protection Bureau\uff09\u4e8e1\u670817\u65e5\uff08\u5468\u4e09\uff09\u5ba3\u5e03\uff0c\u4ed6\u4eec\u63d0\u51fa\u4e86\u4e00\u9879\u89c4\u5b9a\uff0c\u65e8\u5728\u9650\u5236\u5411\u5927\u578b\u94f6\u884c\u548c\u4fe1\u7528\u5408\u4f5c\u793e\u5ba2\u6237\u6536\u53d6\u8fc7\u9ad8\u900f\u652f\u8d39\uff0c\u8be5\u89c4\u5b9a\u6709\u671b\u6bcf\u5e74\u4e3a\u6d88\u8d39\u8005\u8282\u7701\u591a\u8fbe35\u4ebf\u7f8e\u5143\u3002\u8be5\u89c4\u5b9a\u4ec5\u9002\u7528\u4e8e\u8d44\u4ea7\u81f3\u5c11\u8fbe\u5230100\u4ebf\u7f8e\u5143\u7684\u94f6\u884c\u548c\u4fe1\u7528\u793e\uff0c\u8fd9\u4e9b\u673a\u6784\u5360\u636e\u4e86\u7f8e\u56fd\u5b58\u6b3e\u8d26\u6237\u5ba2\u6237\u7684\u6700\u5927\u4efd\u989d\u3002<\/p>\n
\u6d88\u8d39\u8005\u76d1\u5bdf\u673a\u6784\u7ecf\u5e38\u6307\u51fa\uff0c\u94f6\u884c\u5ba2\u6237\u7ecf\u5e38\u56e0\u900f\u652f\u8d39\u7528\u611f\u5230\u60ca\u8bb6\uff0c\u800c\u90a3\u4e9b\u6700\u96be\u8d1f\u62c5\u8fd9\u4e9b\u8d39\u7528\u7684\u4eba\u5219\u7ecf\u5e38\u88ab\u6536\u8d39\u3002\u6d88\u8d39\u8005\u91d1\u878d\u4fdd\u62a4\u5c40\u4e3b\u4efb\u7f57\u5e0c\u7279\u00b7\u4e54\u666e\u62c9\uff08Rohit Chopra\uff09\u8868\u793a\uff1a\u201c\u4eca\u5929\u6211\u4eec\u63d0\u51fa\u4e00\u4e2a\u89c4\u5b9a\u4ee5\u5173\u95ed\u4e00\u4e2a\u957f\u671f\u5b58\u5728\u7684\u6f0f\u6d1e\uff0c\u8fd9\u8ba9\u8bb8\u591a\u5927\u578b\u94f6\u884c\u5c06\u900f\u652f\u8f6c\u53d8\u4e3a\u4e00\u53f0\u5e9e\u5927\u7684\u5783\u573e\u8d39\u7528\u6536\u5272\u673a\u3002\u201d\u6d88\u8d39\u8005\u91d1\u878d\u4fdd\u62a4\u5c40\u53d1\u73b0\uff0c\u5ba2\u6237\u201c\u901a\u5e38\u88ab\u6536\u53d635\u7f8e\u5143\u7684\u900f\u652f\u8d37\u6b3e\u8d39\u7528\uff0c\u5c3d\u7ba1\u5927\u591a\u6570\u6d88\u8d39\u8005\u7684\u501f\u8bb0\u5361\u900f\u652f\u90fd\u4e0d\u523026\u7f8e\u5143\uff0c\u5e76\u4e14\u5728\u4e09\u5929\u5185\u507f\u8fd8\u201d\u3002\u6b64\u5916\uff0c\u8be5\u673a\u6784\u4f30\u8ba1\u6bcf\u5e74\u7ea6\u67092300\u4e07\u6237\u5bb6\u5ead\u652f\u4ed8\u900f\u652f\u8d39\u7528\uff0c\u800c\u62df\u8bae\u7684\u89c4\u5b9a\u53ef\u4ee5\u4e3a\u6bcf\u6237\u5bb6\u5ead\u6bcf\u5e74\u8282\u7701150\u7f8e\u5143\u3002<\/p>\n
\u5f53\u94f6\u884c\u6216\u4fe1\u7528\u793e\u5bf9\u5b58\u6b3e\u8d26\u6237\u6301\u6709\u4eba\u7684\u4ea4\u6613\uff08\u4f8b\u5982\u4ed8\u6b3e\u3001\u53d6\u6b3e\u3001\u501f\u8bb0\u6216\u8f6c\u8d26\uff09\u8fdb\u884c\u652f\u4ed8\u65f6\uff0c\u5373\u4f7f\u8be5\u4eba\u7684\u8d26\u6237\u4e2d\u6ca1\u6709\u8db3\u591f\u7684\u8d44\u91d1\uff0c\u4e5f\u4f1a\u6536\u53d6\u900f\u652f\u8d39\u7528\u3002\u6d88\u8d39\u8005\u91d1\u878d\u4fdd\u62a4\u5c40\u65ad\u8a00\uff0c\u900f\u652f\u4fdd\u9669\u672c\u8d28\u4e0a\u662f\u5bf9\u5ba2\u6237\u7684\u4e00\u79cd\u8d37\u6b3e\uff0c\u56e0\u6b64\u5e94\u8be5\u50cf\u4fe1\u7528\u5361\u4e00\u6837\u53d7\u5230\u300a\u8d37\u6b3e\u771f\u76f8\u6cd5\uff08Truth in Lending Act\uff09\u300b\u7684\u7ea6\u675f\u3002\u5f53\u4eba\u4eec\u4f9d\u8d56\u7eb8\u8d28\u652f\u7968\u800c\u4e0d\u662f\u5373\u65f6\u652f\u4ed8\u548c\u501f\u8bb0\u65f6\uff0c\u300a\u8d37\u6b3e\u771f\u76f8\u6cd5\u300b\u5e94\u8fd0\u800c\u751f\uff0c\u5b83\u8981\u6c42\u8d37\u6b3e\u4eba\u5411\u501f\u6b3e\u4eba\u6e05\u695a\u5730\u62ab\u9732\u4e00\u7b14\u8d37\u6b3e\u6216\u4fe1\u8d37\u5c06\u82b1\u8d39\u4ed6\u4eec\u591a\u5c11\u94b1\u3002\u7136\u800c\uff0c\u900f\u652f\u4fdd\u62a4\u88ab\u89c6\u4e3a\u4e0d\u53d7\u8fd9\u4e9b\u62ab\u9732\u7684\u7ea6\u675f\u3002\u6d88\u8d39\u8005\u91d1\u878d\u4fdd\u62a4\u5c40\u8868\u793a\uff1a\u201c\u572820\u4e16\u7eaa90\u5e74\u4ee3\u548c21\u4e16\u7eaa\u521d\uff0c\u968f\u7740\u501f\u8bb0\u5361\u7684\u5174\u8d77\uff0c\u91d1\u878d\u673a\u6784\u5f00\u59cb\u63d0\u9ad8\u6536\u8d39\uff0c\u5e76\u5229\u7528\u8fd9\u4e00\u8c41\u514d\uff0c\u5728\u501f\u8bb0\u5361\u4ea4\u6613\u4e2d\u5927\u91cf\u900f\u652f\u8d37\u6b3e\u30022019\u5e74\u7684\u5e74\u5ea6\u900f\u652f\u8d39\u6536\u5165\u4f30\u8ba1\u4e3a126\u4ebf\u7f8e\u5143\u3002\u201d\u5982\u4eca\uff0c\u5927\u94f6\u884c\u5bf9\u5176\u900f\u652f\u4e1a\u52a1\u8fdb\u884c\u4e86\u8bb8\u591a\u4fee\u6539\uff0c\u6709\u6548\u5730\u5c06\u5176\u900f\u652f\u6536\u5165\u964d\u81f3\u6bcf\u5e74\u7ea690\u4ebf\u7f8e\u5143\u5de6\u53f3\u3002<\/p>\n
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