Will Section 75 be watered 負かす／撃墜する? 計画（する）s to 精密検査する 支配するs 保護するing 購入（する）s made on credit cards in biggest shake-up for 50 years
- The 政府 will change how credit cards and 貸付金s are 規制するd
- 決定的な refund 保護s could 結局最後にはーなる 存在 changed or abandoned
- 顧客s can use Section 75 to get refunded when 購入（する）s don't go to 計画（する）
A 政府 shake-up of 財政上の 規則s could see the Section 75 支配するs which 保護する 顧客s when spending on their credit cards 'watered 負かす／撃墜する'.?
A 財務省 協議 文書 確認するd 計画（する）s to 精密検査する the 消費者 Credit 行為／法令／行動する 1974. This is the 法律 which 規制するs £200billion in 負債s every year, 含むing credit cards, 蓄える／店 cards, personal 貸付金s, payday 貸付金s and 雇う 購入（する） 取引，協定s.?
The exact changes are still 存在 大打撃を与えるd out, but could 衝撃 消費者s if 決定的な refund 保護s?結局最後にはーなる 存在 changed or abandoned.?
A 重要な change to watch out for is what happens to credit card refunds, known as?Section 75 保護s.
Taking all the credit: The FCA regulator has overseen 消費者 credit since 2014
Sarah Coles, 長，率いる of personal 財政／金融 at stockbroker Hargreaves Lansdown, said: 'The 消費者 Credit 行為／法令／行動する has ridden to the 救助（する） for millions of people. So, the fact the 政府 is planning to axe the 行為／法令／行動する is bound to be unsettling.
'Those who 答える／応じるd to the 協議 were keen to keep something along the lines of Section 75, but there were calls for some changes. This could 強化する some 権利s but 危うくするs others.'
Section 75 保護 means if a 消費者 buys something on credit 価値（がある） between £100 and £30,000, the 貸す人 and 販売人 are 平等に liable to sort the problem out if something goes wrong.
顧客s are often able to get their money 支援する using Section 75 in 事例／患者s where a 製品 hasn't been 配達するd as 約束d, or a holiday has been cancelled, for example.??
The 財務省 today said: 'It is （疑いを）晴らす that consultees are supportive of change and the 政府 therefore ーするつもりであるs to proceed with an ambitious approach to CCA 改革（する）.'
This is everything we know about how credit card and 貸付金 規則 might change in the 未来.
What is the 消費者 Credit 行為／法令／行動する?
The CCA is 1974 法律制定 designed to bring in a 選び出す／独身 approach to 規制するing 消費者 貸付金s. It still 適用するs today, with minor tweaks over time.
Before the CCA, this 部門 was 支配する to a hodgepodge of different 法律s - and often no 法律s at all.
The CCA changed all that by bringing in 支配するs around how 貸す人s structure 取引，協定s, advertise, end 貸付金s and 始める，決める refund 権利s for 消費者s - 主として, Section 75 支配するs.
The Office for Fair 貿易（する）ing oversaw the CCA until 2014, when it was 手渡すd over to the 財政上の 行為／行う 当局 regulator.
What about the CCA is changing?
Two things. Firstly, the 政府 wants to overrule large parts of the CCA and let the FCA 令状 its own 支配するs around how it 規制するs 負債.
The 政府 will be '廃止するing much of the CCA and recasting it in the FCA rulebook', the 財務省 said.
Partly that is because some 支配するs need updating, and partly it is because the FCA does not have the 力／強力にするs it needs to carry on with som e of the 支配するs if the CCA ends.
A 財務省 文書 on the changes said: 'The CCA 供給するs 消費者s with important 権利s and 保護s which 保護する 消費者s at both the pre-contractual and 地位，任命する-contractual 行う／開催する／段階s of an 協定.
'The 協議 explained that the FCA's 現在の [...] 支配する-making 力／強力にするs would not enable the FCA to replicate all of these 権利s and 保護s in its rulebook.'
House of cards: 消費者s have to grapple with a 混乱させるing 集まり of credit card 文書s
Secondly, the 精密検査する also means 存在 able to update the 言い回し of the CCA, which is almost 50 years old.
These 法律s were brought in before 発明s such as 'buy now 支払う／賃金 later' 貸付金s, the internet and smartphones, for example.
経済的な 長官 to the 財務省 Andrew Griffith said: 'While it was 井戸／弁護士席 designed for its time, the CCA is ますます under 緊張する to 配達する a 21st century 顧客 experience.
'The 存在するing 法律制定 is ill adapted to 科学（工学）技術 that was not conceived of almost 50 years ago. It 提起する／ポーズをとるs challenges for 財政／金融ing 現れるing 科学（工学）技術s like electric cars and enabling online 顧客 旅行s 経由で smartphones.'
What changes could be on the （米）棚上げする／（英）提議する?
It is （疑いを）晴らす a lot of the CCA will be ripped up. However, 正確に／まさに what will change is still up for 得る，とらえるs, and 消費者s will not see any differences for months or years yet.
But we do know that buy now 支払う／賃金 later 貸付金s will be 規制するd as part of the changes.
The FCA could also 改善する how 貸付金 small print is worded.
At the moment, the CCA means 貸す人s have to give pre-worded 文書s to 顧客s before they can take out a credit card or 貸付金, such as 'pre-契約 credit 協定s'.
But 専門家s like （選挙などの）運動をする group Fairer 財政／金融 say these 文書s, while 井戸／弁護士席-meaning, are clunky, 混乱させるing and not understood by many 消費者s.
Fairer 財政／金融 wants to see these 文書s changed to be easier for 消費者s to 解釈する／通訳する.
James Daley, the 長，指導者 (n)役員／(a)執行力のある of Fairer 財政／金融, said: 'What's 失望させるd me most about this market is that there are やめる strict 支配するs around what 貸す人s must tell 顧客s before they 完全にする an 使用／適用. More so than just about any other 財政上の services market.
'Unfortunately, some of these 支配するs date 支援する almost 50 years ? and are not fit for today's market which 構成するs many different types of credit 製品.'
This can be a problem when 顧客s take out 貸付金s on 装置s with small 審査するs, like smartphones.
The 財務省 公式文書，認めるd that 'the prescription of form for （警察などへの）密告，告訴（状） 必要物／必要条件s means that 会社／堅いs are 要求するd to 供給する （警察などへの）密告，告訴（状） in a way that is not 両立できる with smartphones, and that this leads to lower 顧客 約束／交戦 with important （警察などへの）密告，告訴（状）'.
What about Section 75 支配するs?
The good news for 消費者s is that there are no 計画（する）s to 捨てる the jewel in the 栄冠を与える of the CCA - Section 75 refund 支配するs.
Section 75 保護s are likely to be kept, the 財務省 said today.
The 財務省 追加するd: 'Section 75 was 一般に seen as an important 準備／条項 by 産業 and 消費者s, with some 公式文書，認めるing that it 供給するs 消費者s with greater 信用／信任 to make 購入（する）s on credit. However, many consultees believed it could be modernised.'
Some 貸す人s told the 財務省 they 手配中の，お尋ね者 to see Section 75 支配するs watered 負かす／撃墜する.
For example, when 顧客s have a problem with something they buy on credit, some 会社／堅いs 手配中の，お尋ね者 to see 貸す人s only be on the hook for the value of the 貸付金 itself, not the entire 交替／補充 value of a 製品.
Others 手配中の，お尋ね者 to see 消費者s first 的 販売人s with refund requests before 存在 able to ask the 貸す人.
An FCA spokesperson said: 'We are keen to make sure 消費者 credit 規則 supports a 井戸／弁護士席-機能（する）／行事ing and 競争の激しい market whilst 持続するing appropriate 消費者 保護s.'
