Credit Acceptance Corp将支付7550万美元并免除逾6.3亿美元消费者债务，以了结数十个州提起的消费者保护违规指控

美股速递

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明尼苏达州总检察长宣布，Credit Acceptance Corp已同意支付7550万美元，并免除超过6.3亿美元的消费者债务，以此化解来自数十个州对其涉嫌违反消费者保护法规的集体指控。

这项和解协议标志着这家汽车贷款机构与多州监管机构之间旷日持久的法律拉锯战暂告段落。据明尼苏达州总检察长办公室透露，Credit Acceptance Corp被指在贷款催收及信息披露环节存在不当行为，损害了借款人的合法权益。

根据协议条款，除现金赔付外，该公司还将大规模核销债务，为深陷财务困境的消费者提供实质性纾困。这一举措预计将对成千上万的借款人产生直接积极影响，帮助他们减轻沉重的还款压力。

多州联合调查发现，Credit Acceptance Corp在贷款审批和催收操作中，未能充分披露关键条款，且在部分情况下采取了激进的催收策略，致使消费者陷入债务泥潭。此次和解旨在纠正上述做法，并强化行业合规标准。

截至目前，Credit Acceptance Corp尚未就此事公开发表详细评论，但外界普遍认为，此次和解将为其业务运营模式带来深远调整。消费者权益保护组织对此表示欢迎，认为这是对掠夺性贷款行为的一次有力震慑。

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