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What's the difference between credit and debt? How Afterpay and other 'BNPL' providers skirt consumer laws

  • Written by Saurav Dutta, Head of School at the School of Accounting, Curtin University
What's the difference between credit and debt? How Afterpay and other 'BNPL' providers skirt consumer lawsBecause 'buy now, pay later' companies are not regulated under the National Credit Act, Afterpay is not legally required to observe responsible lending obligationswww.shutterstock.com

Credit used to be straightforward. A company that let you own something and pay for it over time was called a credit provider. It might be a bank, a department store...

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