(4) А що робити, якщо потрібно купити квартиру чи авто? Власний досвід – назбирати кошти й тоді купувати.

Або ж чітко знати, що ви будете спроможні віддати кредит з огляду на ваші доходи.

Як у вас з цим?

@Gurre

Absolutely. And it needs to be available world-wide, not just inside the E.U. or Europe. Every country trying to avoid control by the USA will need into it.

And not just arm's-length -- it should be a nonprofit or whatever the E.U. equivalent of a public benefit corporation is.

EuroCard? EuroCredit? LibreCard... I like the sound of that one.

“Nobody is helped by shutting down the agency, except #BigBanks, #ConMen & rip-off artists, oh & #billionaires like Mr. Musk, who is trying to start a new ‘#XMoney’ feature on his social media platform,” Sen #ElizabethWarren said at the hearing. “By eliminating the #CFPB, he would take the financial cop off the beat.”

But on Thurs, the #Trump #CFPB dropped several complaints against financial institutions, including the ones for #CapitalOne & #RocketHomes.

“We welcome the CFPB’s decision to dismiss this action, which we strongly disputed,” a spokesperson for Capital One said in an emailed statement.

In a statement, Rocket Homes said: “This case was a misrepresentation of the facts, as we have said from the day the suit was filed.”

A month earlier, the #CFPB filed a lawsuit against #RocketHomes Real Estate, alleging that the company incentivized real estate brokers & agents to steer home buyers to #RocketMortgage.

“At a time when #homeownership feels out of reach for so many, companies should not illegally block competition in ways that drive up the cost of #housing,” said then-CFPB Dir Rohit Chopra in announcing the action.

#Trump #Musk #law #economy #regulation #banks #credit #loans #kleptocracy
https://www.consumerfinance.gov/about-us/newsroom/cfpb-files-lawsuit-to-stop-illegal-kickback-scheme-to-steer-borrowers-to-rocket-mortgage/

In one of its final actions under the #Biden admin, for example, the #CFPB filed a lawsuit on Jan 14 against #CapitalOne, alleging the financial institution misrepresented its “360 Savings” accounts, effectively “cheating consumers out of more than $2B in interest payments.”

#Trump #Musk #DOGE #law #economy #regulation #banks #credit #loans #mortgages #foreclosures #debt #housing #markets #USpol #kleptocracy #plutocracy
https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-capital-one-for-cheating-consumers-out-of-more-than-2-billion-in-interest-payments-on-savings-accounts/

When harmed, the average #consumer often doesn’t have the #money to defend themself. Hiring an attorney is expensive. Rooting out deceptive predatory practices should be left to the #government, not a family trying to make ends meet.

Remember the Great #Recession?

During his first term, #Trump was hell-bent on eviscerating the authority of an agency that #Congress authorized to protect #consumers after the 2008 financial crisis. His choice to lead the agency in 2017 signaled his disdain: Mick Mulvaney, a fmr congressman who voted to abolish the #CFPB.

…But consumers needed then — & need now — a powerful advocate.

@LeKinBall vous faites bien. C'est une prise de conscience collective qu'il faut.

D'ailleurs, pour en ajouter à mes précédentes publications : les institutions de #crédit, dont #VISA et #Mastercard sont toutes américaines. Même si c'est notre banque qui émet la carte. Il y a sûrement un % des frais qui doit aller aux États-Unis à ces compagnies. Si on utilise le débit de notre banque canadienne, ça reste entièrement ici.