Explain the disclosure of the True Cost of Credit
Explain the disclosure of the True Cost of Credit?
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There must be a detailed statement of the terms of credit in dollars and cents, the effective interest rate, and charges for insurance or registration. Failure to comply will result in the consumer not being bound by the contract. As discussed under Contract Law, the Ontario Consumer Protection Act, 2002 imposes high standards of disclosure on specific industries including time-share, personal development, leasing, and motor vehicle repair contracts.
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