Talk:Buy now, pay later - Revision history

Drakeula: Drakeula moved page Talk:Buy Now, Pay Later to Talk:Buy now, pay later: Misspelled title: Not in sentence case

2025-10-12T05:16:15Z

Drakeula moved page Talk:Buy Now, Pay Later to Talk:Buy now, pay later: Misspelled title: Not in sentence case

← Older revision		Revision as of 05:16, 12 October 2025
(No difference)

Beanie Bo: /* Source dump */ typos were driving me insane

2025-09-20T15:28:35Z

Source dump: typos were driving me insane

← Older revision		Revision as of 15:28, 20 September 2025
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	Finding recent sources in the last year or two has been difficult. Anyway, here's a source dump that I'll be working my way through.		Finding recent sources in the last year or two has been difficult. Anyway, here's a source dump that I'll be working my way through.

	https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-ensure-consumers-can-dispute-charges-and-obtain-refunds-on-buy-now-pay-later-loans/ (US federal level, CFPB, May 2024) - later rescinded (~~Macrh~~ '25?) (why?)		https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-ensure-consumers-can-dispute-charges-and-obtain-refunds-on-buy-now-pay-later-loans/ (US federal level, CFPB, May 2024) - later rescinded (March '25?) (why?)

	https://www.consumerfinancialserviceslawmonitor.com/2025/05/understanding-new-yorks-new-buy-now-pay-later-law/ New York BNPL Act May 2025		https://www.consumerfinancialserviceslawmonitor.com/2025/05/understanding-new-yorks-new-buy-now-pay-later-law/ New York BNPL Act May 2025
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	https://www.fca.org.uk/firms/regulating-buy-now-pay-later Financial Conduct Authority, UK, (planned for July 2026). Calling it "DPC" Deferred Payment Credit		https://www.fca.org.uk/firms/regulating-buy-now-pay-later Financial Conduct Authority, UK, (planned for July 2026). Calling it "DPC" Deferred Payment Credit

	Australia's National Consumer Credit Protection Act - ~~Jume~~ 2025 [[User:Beanie Bo\|Beanie Bo]] ([[User talk:Beanie Bo\|talk]]) 13:01, 13 September 2025 (UTC)		Australia's National Consumer Credit Protection Act - June 2025 [[User:Beanie Bo\|Beanie Bo]] ([[User talk:Beanie Bo\|talk]]) 13:01, 13 September 2025 (UTC)

Beanie Bo: /* Source dump */ new section

2025-09-13T13:01:40Z

Source dump: new section

← Older revision		Revision as of 13:01, 13 September 2025
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	:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)		:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)
	:::Predatory lending through a convenient little button right next to checkout of Amazon and other online retailers seems pretty relevant to me. More specifically, BNPL's act like tech companies rather than credit lenders and they have very few of the safeguards that banks have, meaning they get away with much more. The controversies surrounding them are very notable, and I don't think this issue is outside the scope of the wiki at all. It's an issue that is only possible via Big Tech. [[User:Beanie Bo\|Beanie Bo]] ([[User talk:Beanie Bo\|talk]]) 13:29, 4 September 2025 (UTC)		:::Predatory lending through a convenient little button right next to checkout of Amazon and other online retailers seems pretty relevant to me. More specifically, BNPL's act like tech companies rather than credit lenders and they have very few of the safeguards that banks have, meaning they get away with much more. The controversies surrounding them are very notable, and I don't think this issue is outside the scope of the wiki at all. It's an issue that is only possible via Big Tech. [[User:Beanie Bo\|Beanie Bo]] ([[User talk:Beanie Bo\|talk]]) 13:29, 4 September 2025 (UTC)

			== Source dump ==

			Finding recent sources in the last year or two has been difficult. Anyway, here's a source dump that I'll be working my way through.

			https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-to-ensure-consumers-can-dispute-charges-and-obtain-refunds-on-buy-now-pay-later-loans/ (US federal level, CFPB, May 2024) - later rescinded (Macrh '25?) (why?)

			https://www.consumerfinancialserviceslawmonitor.com/2025/05/understanding-new-yorks-new-buy-now-pay-later-law/ New York BNPL Act May 2025

			https://www.fca.org.uk/firms/regulating-buy-now-pay-later Financial Conduct Authority, UK, (planned for July 2026). Calling it "DPC" Deferred Payment Credit

			Australia's National Consumer Credit Protection Act - Jume 2025 [[User:Beanie Bo\|Beanie Bo]] ([[User talk:Beanie Bo\|talk]]) 13:01, 13 September 2025 (UTC)

Beanie Bo: Beanie Bo moved page Talk:Buy Now Pay Later to Talk:Buy Now, Pay Later: Misspelled title

2025-09-06T01:33:54Z

Beanie Bo moved page Talk:Buy Now Pay Later to Talk:Buy Now, Pay Later: Misspelled title

← Older revision		Revision as of 01:33, 6 September 2025
(No difference)

Beanie Bo: /* Relevance? */ Reply

2025-09-04T13:29:52Z

Relevance?: Reply

← Older revision		Revision as of 13:29, 4 September 2025
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	::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)		::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)
	:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)		:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)
			:::Predatory lending through a convenient little button right next to checkout of Amazon and other online retailers seems pretty relevant to me. More specifically, BNPL's act like tech companies rather than credit lenders and they have very few of the safeguards that banks have, meaning they get away with much more. The controversies surrounding them are very notable, and I don't think this issue is outside the scope of the wiki at all. It's an issue that is only possible via Big Tech. [[User:Beanie Bo\|Beanie Bo]] ([[User talk:Beanie Bo\|talk]]) 13:29, 4 September 2025 (UTC)

Sojourna: /* Relevance? */ Reply

2025-09-04T05:46:01Z

Relevance?: Reply

← Older revision		Revision as of 05:46, 4 September 2025
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	:https://www.youtube.com/watch?v=YUDWC6rCwhI [[User:JamesTDG\|JamesTDG]] ([[User talk:JamesTDG\|talk]]) 04:25, 4 September 2025 (UTC)		:https://www.youtube.com/watch?v=YUDWC6rCwhI [[User:JamesTDG\|JamesTDG]] ([[User talk:JamesTDG\|talk]]) 04:25, 4 September 2025 (UTC)
	::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)		::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)
			:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)

Illerfish2: /* Relevance? */ Reply

2025-09-04T04:30:28Z

Relevance?: Reply

← Older revision		Revision as of 04:30, 4 September 2025
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	:https://www.msn.com/en-us/money/credit-cards/the-hidden-danger-of-buy-now-pay-later-plans-revealed/ar-AA1G6cE5		:https://www.msn.com/en-us/money/credit-cards/the-hidden-danger-of-buy-now-pay-later-plans-revealed/ar-AA1G6cE5
	:https://www.youtube.com/watch?v=YUDWC6rCwhI [[User:JamesTDG\|JamesTDG]] ([[User talk:JamesTDG\|talk]]) 04:25, 4 September 2025 (UTC)		:https://www.youtube.com/watch?v=YUDWC6rCwhI [[User:JamesTDG\|JamesTDG]] ([[User talk:JamesTDG\|talk]]) 04:25, 4 September 2025 (UTC)
			::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)

JamesTDG: /* Relevance? */ Reply

2025-09-04T04:25:56Z

Relevance?: Reply

← Older revision		Revision as of 04:25, 4 September 2025
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	== Relevance? ==		==Relevance?==

	As a completely opt-in service, I don't believe this violates any consumer rights [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:07, 4 September 2025 (UTC)		As a completely opt-in service, I don't believe this violates any consumer rights [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:07, 4 September 2025 (UTC)

			:Look at it this way, gambling is proven to be anticonsumer despite it being it is opt-in as well, because it is using dark patterns to entice consumers into using it. The same falls under here, you are gambling on having enough money in the future to use this system, but these systems are rewarded through your debt to not educate you on the risks involved with using it.
			:However, the article itself does severely need to be reworked, zero refs, not a lot of development in general.
			:If we can include some data listed through these sources I found in a quick search, it might be brought to the standard of quality the wiki is in search of:
			:https://thehustle.co/01272022-buy-now-pay-later
			:https://www.forbes.com/councils/forbesfinancecouncil/2025/02/04/buy-now-pay-later-hidden-credit-risks-in-the-digital-payment-revolution/
			:https://www.wired.com/story/hidden-dangers-buy-now-pay-later-apps/ (https://archive.is/z3eSh)
			:https://defendernetwork.com/news/opinion/buy-now-pay-later-loans-debt/
			:https://www.msn.com/en-us/money/credit-cards/the-hidden-danger-of-buy-now-pay-later-plans-revealed/ar-AA1G6cE5
			:https://www.youtube.com/watch?v=YUDWC6rCwhI [[User:JamesTDG\|JamesTDG]] ([[User talk:JamesTDG\|talk]]) 04:25, 4 September 2025 (UTC)

Illerfish2: /* Relevance? */ new section

2025-09-04T04:07:31Z

Relevance?: new section

New page

== Relevance? ==

As a completely opt-in service, I don't believe this violates any consumer rights [[User:Illerfish2|Illerfish2]] ([[User talk:Illerfish2|talk]]) 04:07, 4 September 2025 (UTC)

← Older revision		Revision as of 13:29, 4 September 2025
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	::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)		::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)
	:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)		:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)
			:::Predatory lending through a convenient little button right next to checkout of Amazon and other online retailers seems pretty relevant to me. More specifically, BNPL's act like tech companies rather than credit lenders and they have very few of the safeguards that banks have, meaning they get away with much more. The controversies surrounding them are very notable, and I don't think this issue is outside the scope of the wiki at all. It's an issue that is only possible via Big Tech. [[User:Beanie Bo\|Beanie Bo]] ([[User talk:Beanie Bo\|talk]]) 13:29, 4 September 2025 (UTC)

← Older revision		Revision as of 05:46, 4 September 2025
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	:https://www.youtube.com/watch?v=YUDWC6rCwhI [[User:JamesTDG\|JamesTDG]] ([[User talk:JamesTDG\|talk]]) 04:25, 4 September 2025 (UTC)		:https://www.youtube.com/watch?v=YUDWC6rCwhI [[User:JamesTDG\|JamesTDG]] ([[User talk:JamesTDG\|talk]]) 04:25, 4 September 2025 (UTC)
	::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)		::Lack of citations is definitely an issue, but more broadly speaking wiki scope focuses on issues of new issues in consumer rights, specifically those that are anti-ownership and reduce consumer's privacy and/or ability to consent. ([[Mission statement#Consumer protection has changed]]) While definitely ethically questionable, this seems to fall outside of the scope of the wiki as we don't aim to address psychological issues and these systems do inform the user of exactly what they are consenting to. [[User:Illerfish2\|Illerfish2]] ([[User talk:Illerfish2\|talk]]) 04:30, 4 September 2025 (UTC)
			:::I agree. The article is more fit for somewhere else than here. — [[User:Sojourna\|Sojourna]] ([[User talk:Sojourna\|talk]]) 05:46, 4 September 2025 (UTC)