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Hawaii’s bill amends the interest and usury law by defining “debt,” “finance charge,” and “credit” to include EWA products, and requires “annual percentage rate” to be calculated pursuant to the Truth in Lending Act (TILA). Reporting a consumer’s nonpayment to a consumer reporting agency or debtcollector.
Debtcollectors sometimes have a bad rap, but the truth is that they provide an important service to society so long as their practices are ethical in nature (i.e. Debt collection can be further broken down by industry as well as by type of collection service. they’re not threatening to break your kneecaps if you don’t pay).
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