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The hearing of the special committee on aging will come to order. Decades ago the warning caveat emptor, buyer beware, was the best advice one could give to a consumer seeking to borrow money. Well, that advice is still valid today. There are laws that seek to insure that consumers understand the obligations that they are taking on and that lenders have to play by the rules. Since the passage of the federal truth in lending act in 1968 and similar state laws around the nation, credit providers have been required to disclose key terms of Consumer Credit agreements up front in easytounderstand language. If you want to know what Interest Rate youll pay on a new credit card, youll find it in big, bold letters right there on the front of your application. Likewise, Interest Rates on car loans, personal loans, mortgages and myriad other Consumer Loan products are clearly and conspicuously displayed. But as we will learn today, that is not true for socalled pension advances. Pension advances
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