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Comments of Center for Responsible Lending Consumer Nclc Form

Comments of Center for Responsible Lending Consumer Nclc Form

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[Music] foreign [Music]   CRL provides non-partisan research analysis  and advocacy to create financial fairness and   opportunity for all. Hi, I'm Nadine Chabrier,  senior policy and litigation council at the   Center for Responsible Lending. One new product  we've been looking at is Buy Now Pay Later.   While shopping online you may have seen  offers to make purchases in installments.   In the typical arrangement, consumers can make  four payments over six weeks for anything from   a pair of jeans to an electronic device or  appliance -- even a few bags of groceries.   The market for these products is exploding.  Estimates of growth over the past two years   range from 200 percent to 350 percent. Already  a third of us adults have reported using   Buy Now Pay Later. This explosive growth makes  careful scrutiny of the product and its impacts   imperative, especially given that the Financial  Health Network found that 24% of financially   vulnerable adu

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