As the employment and income situation in the household sector has improved, it seems that consumers are gradually accepting price rises. Recently, it is reported more frequently that some firms in the restaurant business, for example, decided to raise prices for the first time in a while.
Moreover, the regulations would be legally enforceable by supervisory and enforcement agencies. Just as important, the regulations, unlike the guidance, would be legally enforceable by consumers who could recover statutory and actual damages for violations. The proposed requirement to assess repayment ability is intended to protect consumers from abusive practices while maintaining their access to responsible credit.