Consumer Protection Act - Finlex

(3) It may be stipulated by Decree that sections 6, 7, 9, 10 or 11 apply to consumercredit amounting to not less than FIM 1,000. It may further be stipulated byDecree that the provisions of sections 9, 10 and 11 may, in certain types ofgoods-or-services-related credit, be satisfied by sending the consumer, togetherwith the consumer goods or services, a document to be further confirmed byDecree if this can be deemed necessary in order to retain or establish in the fieldin question an invoicing, delivery or other practice that is in the interest of theconsumers.Section 4a (85/1993)The amounts in FIM provided for in section 4(3) and 12(4) may be altered byDecree if this is warranted by the development of the economy and monetaryconditions.Marketing of consumer creditSection 5The granting of consumer credit shall not be used as a main method ofmarketing when marketing other consumer goods or services.Section 6(1) In marketing lump-sum credit, the annual percentage rate of charge shall bestated. If the cash price of the goods or services is stated, their credit price shallalso be stated. If the granting of the credit is subject to taking out insurance onthe goods or services, the insurance and its premium shall also be stated.(85/1993)(2) If a business grants consumer credit for the same purpose on different terms, theannual percentage rate of charge and the credit price may be stated in the formof an example of the customary credit terms offered by the business.Section 7In marketing running account credit, the annual percentage rate of charge shallbe stated in the form of an example illustrating the typical use of the credit.Section 8Mere reference in marketing to the possibility of consumer credit shall not beconsidered marketing of consumer credit under sections 6 and 7.40