a “borrower,” a person who obtains credit under a credit contract or a person to whom a borrower`s rights and obligations have expired under a transfer or application of the right; (a) the total amount that the borrower must repay to remedy the borrower`s debt may vary depending on a formula defined in the agreement that affects the evolution of the level of an index or other factor, or this additional protection applies only to credit card purchases and not to debit card purchases. airtime by one party, the contracting parties, another act covered in the agreement; There are certain formalities of entry into a regulated agreement, which are most often based on the documents to be provided. In accordance with Section 60, the Secretary of State is required to adopt certain provisions that cover the format that contracts are required to adopt. These regulations must ensure that the debtor is informed of the rights and/or obligations conferred on him by the agreement, the amount and rate of the total tax on credits, the protection and remedies available to him, as well as any “other matters that the Secretary of State feels he must entrust to him as part of the agreement.” The law allows the Director General of Fair Trade to waive certain requirements when it appears, when applying a consumer credit transaction, that their application would be unfeasible.  (c)The agreement is a green plan (within the meaning of Section 1 of the Energy Act 2011). If you are applying for a credit or credit card, the card company or credit provider can request a credit reference agency to check your credit history and other details, such as .B place where you have lived in recent years. b) the lender is a credit union and the interest rate of the total commission for loans does not exceed 42.6%. As a result of this report, the Moneylenders Act was passed in 1900, which provided registration for money lenders and allowed the courts to terminate “unfair” money lending contracts. However, this act had two major weaknesses; First, many debtors who wanted to sue their lenders for the dissolution of the agreement were by definition wrong and could not afford to be legally represented. Second, the law has focused only on certain types of lenders; The granting of loans by a single lender was covered, not the granting of loans by a bank.