미국의 단기소액대부에 대한 규제와 한계 ― 페이데이 론에 대한 규제를 중심으로 ―
Lesson from the Regulation of Payday Loan in U. S
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Abstract
Payday loans are secured by access to the borrower's checking account, most commonly through a post-dated check or an automated clearinghouse(ACH) authorization. Marketed to low- and moderate-income consumers as a quick and easy solution to an unexpected expense, these loans are generally due in about two weeks on the borrowers next payday. The combination of little-to-no regard for the borrower’s ability to repay the loan, unrealistic payment schedule, high fees and interest, and the opportunity to roll over the loan instead of repaying it can create a cycle of debt for financially overburdened Consumers and their families. This paper attempt to analyze the efficacy of the State's effort against the abusive business conduct of the moneylender in small loan transaction by examining the small loan act of the states, which interest caps(averaging 36 percent) apply to all small loan. In conclusion, this paper argues the necessity of improvement over the regulation of over-indebtedness of small loan consumer in Korea and suggest that interest rate ceiling for moneylender should reduce into the interest cap for the private individual under the ‘Law of Interest Rate’, because the contradiction of dual rate ceiling system under ‘the Law of Interest and Money Lender Business Law’ is not helpful to provide protection for especially low-income families, as it would be more useful.
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