{"id":24883,"date":"2025-01-08T04:55:00","date_gmt":"2025-01-08T04:55:00","guid":{"rendered":"https:\/\/chicagodesavanja.us\/promena-ce-olaksati-dobijanje-kredita-mnogim-porodicama\/"},"modified":"2025-01-08T04:55:00","modified_gmt":"2025-01-08T04:55:00","slug":"promena-ce-olaksati-dobijanje-kredita-mnogim-porodicama","status":"publish","type":"post","link":"https:\/\/chicagodesavanja.us\/en\/vesti\/promena-ce-olaksati-dobijanje-kredita-mnogim-porodicama\/","title":{"rendered":"SAD: Ukida se medicinski dug sa kreditnih izve\u0161taja"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Amerikanci vi\u0161e ne\u0107e morati da brinu o tome da \u0107e medicinski dug negativno uticati na njihove kreditne izve\u0161taje i ocene.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> Administracija predsednika Joe Biden-a finalizuje pravilo koje \u0107e zabraniti uklju\u010divanje medicinskih dugova u kreditne izve\u0161taje i ograni\u010diti njihovo kori\u0161\u0107enje u dono\u0161enju odluka o kreditima.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Glavne promene u regulativi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nova regulativa, koja stupa na snagu 60 dana nakon objave u <strong>Federal Register-u<\/strong>, ukloni\u0107e pribli\u017eno 49 milijardi USD medicinskih dugova sa kreditnih izve\u0161taja za oko 15 miliona ljudi. Ovo je deo \u0161ire inicijative za za\u0161titu potro\u0161a\u010da od finansijskih posledica zdravstvenih problema.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Direktor CFPB-a<\/strong>, Rohit Chopra, izjavio je:<br><em>&#8222;Ljudi koji se razbole ne bi trebalo da se suo\u010davaju sa finansijskom nestabilno\u0161\u0107u. Ovo pravilo zatvara rupu koja je omogu\u0107avala zloupotrebu kreditnih izve\u0161taja od strane poverilaca.&#8220;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pravilo \u0107e tako\u0111e:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zabraniti kori\u0161\u0107enje medicinskih ure\u0111aja, poput invalidskih kolica ili proteza, kao kolaterala za kredite.<\/li>\n\n\n\n<li>Spre\u010diti zaplenu ovih ure\u0111aja u slu\u010daju nepla\u0107anja.<\/li>\n\n\n\n<li>Dozvoliti upotrebu medicinskih informacija samo u specifi\u010dnim slu\u010dajevima, poput zahteva za kredit za zdravstvene tro\u0161kove.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Uticaj na kreditne ocene i potro\u0161a\u010de<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ova promena donosi prose\u010dan rast kreditne ocene za 20 poena za osobe sa medicinskim dugovima. Tako\u0111e, o\u010dekuje se odobravanje oko 22.000 dodatnih hipoteka godi\u0161nje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Potpredsednica Kamala Harris istakla je da \u0107e ovo biti klju\u010dna promena za mnoge porodice, olak\u0161avaju\u0107i im dobijanje kredita za automobile, domove i male biznise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Reakcije javnosti i industrije<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I dok su potro\u0161a\u010dke grupe pozdravile ovu promenu, tvrde\u0107i da \u0107e pomo\u0107i milionima ljudi, neki republikanski zakonodavci i predstavnici industrije izrazili su zabrinutost zbog potencijalnih rizika za finansijski sistem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dodatni napori za olak\u0161anje medicinskih dugova<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pored ovog pravila, dr\u017eave i lokalne vlasti koriste sredstva iz <strong>American Rescue Plan Act-a<\/strong> za eliminaciju medicinskih dugova. Do sada je izbrisano vi\u0161e od milijardu dolara medicinskih dugova za preko 750.000 Amerikanaca, dok se do kraja slede\u0107e godine o\u010dekuje eliminacija dodatnih 7 milijardi USD duga.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:10px\">SOURCE: <a href=\"https:\/\/www.cnn.com\/2025\/01\/07\/business\/medical-debt-credit-reports-ban-biden\/index.html\" target=\"_blank\" rel=\"noopener\">CNN <\/a>PHOTO: PIXABAY<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Amerikanci vi\u0161e ne\u0107e morati da brinu o tome da \u0107e medicinski dug negativno uticati na njihove kreditne izve\u0161taje i ocene. Administracija predsednika Joe Biden-a finalizuje pravilo koje \u0107e zabraniti uklju\u010divanje medicinskih dugova u kreditne izve\u0161taje i ograni\u010diti njihovo kori\u0161\u0107enje u dono\u0161enju odluka o kreditima. Glavne promene u regulativi Nova regulativa, koja stupa na snagu 60 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":16510,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"wpai_generated_summary":"","footnotes":""},"categories":[368,369],"tags":[35993,538,35994,592,8630,35995,35996,10677,35997,9849],"class_list":["post-24883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vesti-amerika","category-vesti","tag-american-rescue-plan-act","tag-amerika","tag-cfpb","tag-joe-biden","tag-kamala-harris","tag-kreditna-ocena","tag-kreditni-izvestaji","tag-medicinski-dug","tag-nova-regulativa","tag-zastita-potrosaca"],"_links":{"self":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/24883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/comments?post=24883"}],"version-history":[{"count":0,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/24883\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media\/16510"}],"wp:attachment":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media?parent=24883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/categories?post=24883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/tags?post=24883"}],"curies":[{"name":"WP","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}