Although certain payment facilities offered to consumers are not strictly speaking subject to credit regulations, one of the objectives of which is to avoid overindebtedness, the Cour des Comptes, in its annual report, expresses concern about the costs of leasing with an option to purchase (LOA) or long-term leasing (LLD) for the consumers who subscribe to them. It therefore calls for a reinforcement of the supervision of these practices, no doubt following the same logic as consumer credit.

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