credit regulation

Credit regulation involves laws and rules that oversee how lenders and borrowers interact to ensure fair, transparent, and stable financial markets. It sets standards for responsible lending, prevents fraud, and protects consumers from unfair practices. Regulators oversee banks and financial institutions to manage risks, maintain confidence, and promote economic stability. These rules might include requirements for proper disclosure of loan terms, limits on certain types of lending, and capital requirements for banks. Overall, credit regulation balances facilitating access to credit with safeguarding the financial system's integrity.