Talk:Buy Now, Pay Later: Difference between revisions
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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(US federal level, CFPB, May 2024) - later rescinded (Macrh '25?)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) | |||