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hello hello hello beautiful people welcome back Public Law 90-321 May 29 1968. to safeguard the consumer in connection with the utilization of credit might require full disclosure of the terms and conditions of finance charges and credit transactions or in offers to extend credit first clause relates to anything where someone is saying Im now going to be your creditor you and I are going to sign this paper or maybe just you only are going to sign this paper because we know youre desperate you need this thing called a house you need this thing called a vehicle you need this thing called a credit card we make this thing called a line of credit Ive been revolving or not so now youre going to sign it and were going to be something called your creditor because by this agreement we basically become your God and create the money and you consent that that creation of money makes us the Creditor and you on the other hand you basically give us cash flow monthly and if youre smart enough to
