Budget: Mortgage and Credit
Saturday 13 March 1999
A single formula for calculating APRs across the European Union will have to be implemented, allowing borrowers to work out how much their mortgages will cost relative to those in any other European country.
The Financial Services Authority will be given powers to take action against lenders under the Unfair Terms in Consumer Contracts Regulations. It will not be possible for such regulations to be introduced retrospectively. The DTI is, however, preparing to publish proposals on allowing the courts to re-open "extortionate credit bargains".
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