Maine Retail Charge Account Agreement Initial Disclosure Statement
Description
How to fill out Retail Charge Account Agreement Initial Disclosure Statement?
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FAQ
The term ?consumer credit transaction? means a transaction wherein credit is extended to an individual and the money, property, or service which is the subject of the transaction is primarily for personal, family or household purposes.
Consumer credit, short- and intermediate-term loans used to finance the purchase of commodities or services for personal consumption or to refinance debts incurred for such purposes. The loans may be supplied by lenders in the form of cash loans or by sellers in the form of sales credit.
The term "consumer credit transaction" means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.
Definition: A consumer transaction is a type of agreement or exchange where one party purchases goods or services for personal, family, or household use.
Banks make several types of loans, including consumer loans, housing loans and credit card loans. Consumer loans are for installment purchases, repaid with interest on a monthly basis. The bulk of consumer loans are for cars, boats, furniture and other expensive durable goods.
