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Consent obtained through contracts of adhesion in mobile lending apps is often abused. NPC Circular 2023-04 states that consent must be informed, specific, necessary, and not excessive. Even if these formalities are observed, such consent cannot override rules prohibiting unethical conduct, particularly those enforced by the SEC. Click the link in the comments for the full story. #SEC #OnlineLending #DailyTribune | Daily Tribune
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