할부거래법 개정안의 주요내용 검토

Abstract

In this thesis, I studied major subjects of a revised bill of the Installment Transactions Act (hereinafter "revised bill") and compared the revised bill with the existing Installment Transactions Act. I explained the contents and purport of a revised bill, and analyzed a point at issue of law. I proposed my opinion in relation to the point of dispute on a revised bill. A revised bill contains the refund procedures of an installment seller and a creditor in case of a consumer exercises his cooling-off right or refuses a claim of an installment seller. Matters concerning cases which a cooling-off right is not allowed are prescribed by Presidential Decree according to the Installment Transactions Act. But a revised bill prescribes the cases which a cooling off right is not allowed concretely. Such a measure will do much forward the protection of a consumer. A registration system of the prepayment installment plan and an insurance system which compensates a consumer for damages to regulate the business of mutual aid which is increasing rapidly in the last a few years were introduced to a revised bill. As the types of the installment transactions change from direct installment transactions to indirect installment transactions, a revised bill prescribes that a creditor is responsible to a consumer for providing information according to the change of types of the installment transactions.