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Who are credit unions regulated by?

Credit Unions are regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

What are the 4 types of consumer credit?

There are four main types of consumer credit: installment credit, non-installment credit, revolving credit, and open credit.

Does a personal loan go into your bank account?

When you take out a personal loan, the cash is usually delivered directly to your checking account. But if youre using a loan for debt consolidation, a few lenders offer the option to send the funds directly to your other creditors and skip your bank account altogether.

Who is regulated by OSFI?

OSFI regulates and supervises domestic banks and foreign banks operating in Canada. Foreign bank subsidiaries are regulated under the Bank Act . Foreign bank subsidiaries are controlled by eligible foreign institutions.

Where does the money go when you get a personal loan?

Once youre approved for a personal loan, the cash is usually delivered directly to your checking account. If youre getting a loan to refinance existing debt, you can sometimes request that your lender pay your bills directly.

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