Consumer body calls for safeguards such as affordability checks in advance of FCA regulation

Stronger safeguards are needed to protect the millions of UK shoppers who use “buy now, pay later” deals because many people do not realise they are taking on debt, a consumer body has warned.

Buy now, pay later (BNPL) lets shoppers delay payment for an item with no interest or charges – unless you fail to pay it back on time, at which point some firms impose late fees.

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