current position：Home>US regulators investigate "buy before pay" service providers
US regulators investigate "buy before pay" service providers
2022-02-02 20:13:22 【TechWeb】
【TechWeb】12 month 17 Daily news , According to foreign media reports , The Consumer Financial Protection Agency (CFPB) To provide “ Buy first and pay later ” The company launched an investigation . Thursday , The agency asked five companies to provide “ Buy first and pay later ” The service company provides information about its business behavior .
It is reported that ,CFPB Already directed Affirm Holdings、 Afterpay Ltd、 Klarna、 PayPal and Zip Co An order was issued , Ask them to provide “ Buy first and pay later ” Relevant product and practice data , In order to report industry practices and risks to the public . Agency representation , It pays special attention to “ Buy first and pay later ” How to affect consumers' debt accumulation 、 What consumer protection laws apply to this service and how providers collect customer data .
CFPB The director of the Rohit Chopra He said in a statement. , They are worried about these problems . under these circumstances , Although consumers get the product , But it also accumulated debt . Private wealth management companies Credit Karma 9 A survey in may found , One third use “ Buy first and pay later ” American consumers of services have defaulted on one or more payments , among 72% Of people said their credit score fell .
Regarding this ,“ Buy first and pay later ” The service providers unanimously agreed .Klarna The spokesman said moderate regulation is a good thing ;Affirm Spokesman said ：“ We welcome the CFPA's review , And support regulatory efforts that benefit consumers and improve transparency .”PayPal They also said they would cooperate .
However, affected by this news , As of Thursday's close ,“ Buy first and pay later ” The share price of the provider fell ,Affirm Holdings Down and over 10%,Block Down and over 4%,PayPal fall 1%. In Friday morning trading , Listed in Australia Afterpay、 Zip and Sezzle Inc Our share price fell by more than 6% .
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