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Protecting the Most Vulnerable in Consumer Credit Transactions

机译：保护最脆弱的消费者信用交易

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摘要

There are two key ways in which the Australian Uniform Consumer Credit Code seeks to protect consumers in relation to consumer credit transactions. The first is by means of disclosure regulation where information is required to be disclosed to the consumer before the credit contract is entered into and the second is by way of "safety net" provisions, where contracts can be varied or set aside in the event of hardship, a finding that the transaction was unjust, or a finding of unconscionable fees or charges. This article explores the limitations of both of these means of protection, particularly in the case of vulnerable, low-income consumers. In order to highlight the inadequacies of these forms of consumer protection and the need for regulatory reform, we draw on interviews conducted with 30 low-income consumers who had recently signed a credit contract, focusing on their understanding of information disclosed in the contract, as well as their responses to hypothetical unfair terms and their understanding of their rights, for example in the event of an unjust transaction. These interviews were conducted as part of a joint research project between Brotherhood of St Laurence and Griffith University's Centre for Credit and Consumer Law, funded by Consumer Affairs Victoria.
机译：《澳大利亚统一的消费者信贷法规》通过两种主要方式来保护消费者信贷交易方面的消费者。第一种是通过披露规定，在这种情况下，需要在签订信用合同之前向消费者披露信息；第二种是通过“安全网”规定，在发生信用事故时可以更改或撤销合同。困难，发现交易不公正或发现不合理的费用或收费。本文探讨了这两种保护手段的局限性，特别是在弱势，低收入消费者的情况下。为了强调这些形式的消费者保护的不足和监管改革的必要性，我们利用对最近签署了信贷合同的30个低收入消费者进行的访谈，着重于他们对合同中披露信息的理解。以及他们对假设的不公平条款的回应以及对权利的理解，例如在不公正交易的情况下。这些访谈是圣劳伦斯兄弟会与格里菲斯大学信用与消费者法中心之间的一项联合研究项目的一部分，该项目由维多利亚州消费者事务部资助。

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