• 09:15

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    Nedjelja, 11-04-2021.

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  • 18:30

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  • 19:00

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

    Osijek pita, informativna emisija (R)

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  • 23:00

    Dnevnik, informativna emisija (R)

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  • 09:30

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    Ponedjeljak, 12-04-2021.

  • 10:00

    Dnevnik, informativna emisija (R)

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  • 10:30

    Produženi vikend, moziačna emisija (R)

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  • 11:30

    Slavonsko veselje, zabavno - glazbena kontakt emisija (R)

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  • 13:30

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  • 14:30

    U dobroj formi, magazin

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  • 15:00

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  • 16:00

    TV Replika, kontakt emisija

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  • 17:15

    Osijek info, mozaična emisija (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

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  • 23:30

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  • 14:00

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  • 17:00

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    Dnevnik, informativna emisija

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  • 16:55

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  • 18:00

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  • 23:00

    Osijek info, mozaična emisija (R)

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  • 23:30

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    Zlato ravnice, poljoprivredna emisija (R)

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  • 22:00

    Dnevnik, informativna emisija (R)

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    TV Replika, informativna emisija (R)

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    U dobroj formi, magazin (R)

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  • 15:55

    Vijesti, informativna emisija

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    Kratki rezovi, emisija o filmu

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  • 18:00

    Dnevnik, informativna emisija

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    Subota, 17-04-2021.

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    Zdrava jabuka, sponzorirani program

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  • 13:00

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    Kratki rezovi, emisija o filmu (R)

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  • 16:00

    Zvjezdani show, zabavno- glazbena emisija

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  • 17:40

    Mamre, vjerski program (R)

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  • 18:00

    Dnevnik, informativna emisija

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  • 18:30

    Glazbeni program

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  • 19:00

    TV Koktel, moziačna emisija (R)

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  • 20:00

    Impuls razvoja, emisija o gospodarstvu

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  • 20:30

    Slavonsko veselje, glazbena kontakt emisija

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  • 22:30

    Osijek pita, informativna emisija (R)

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  • 23:00

    Dnevnik, informativna emisija (R)

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  • 23:55

    Kraj programa

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Google-funded loan startup to cover $6.3m for ‘deceptive’ techniques

Professionals state the LendUp situation is significant for businesses when you look at the growing online ‘fintech’ sector that claim to provide an improved option to payday advances

CFPB manager Richard Cordray stated LendUp ‘pitched it self as being a tech-savvy substitute for conventional pay day loans, nonetheless it would not spend sufficient focus on the consumer economic laws’. Photograph: REX/Shutterstock

CFPB manager Richard Cordray stated LendUp ‘pitched it self being a tech-savvy replacement for conventional payday advances, however it failed to spend sufficient awareness of the consumer monetary laws’. Photograph: REX/Shutterstock

Final modified on Fri 14 Jul 2017 19.38 BST

A Google-funded financing startup will need to pay $6.3m in fines and refunds for several “deceptive” methods, signaling the usa government’s fascination with managing the growing industry of online options to conventional pay day loans.

LendUp – a bay area company that claims to provide a “secure, convenient solution to obtain the cash you will need, fast” – misled clients, hid its real credit expenses, and reversed rates without disclosing it to consumers, in accordance with the customer Financial Protection Bureau (CFPB).

“LendUp pitched it self as being a consumer-friendly, tech-savvy option to conventional pay day loans, however it failed to spend sufficient focus on the customer economic laws and regulations,” bureau director Richard Cordray said in a declaration Tuesday, announcing the settlement.

The organization, that has money from high-profile Silicon Valley capital raising businesses and GV, Google’s capital raising branch, started advertising and marketing its solutions in 2012.

The startup advertised it can assist consumers “move up the LendUp Ladder” by building credit and enhancing their ratings. The https://installmentloansgroup.com/payday-loans-nc/ firm promised clients the chance to sooner or later advance to loans with an increase of favorable terms, such as longer repayment periods and reduced prices.

But regulators allege that the startup’s offerings did perhaps perhaps not match its marketing and that the company did not precisely provide information to credit rating organizations, which denied customers the chance to boost their credit.

The agency that is federal bought LendUp to cover a $1.8m penalty and offer a lot more than 50,000 customers with approximately $1.8m in refunds.

The Ca division of business oversight additionally examined the firm and announced money this week needing LendUp to pay for $2.7m to “resolve allegations it charged unlawful costs and committed other widespread violations of payday and installment financing laws”.

The state agency stated the startup had paid $1m in refunds but nevertheless owes $537,000 to borrowers.

Professionals state the truth is significant for businesses when you look at the growing online “fintech” sector that have actually reported to supply better solutions than old-fashioned pay day loan industry companies, recognized for trapping low-income People in america in rounds of financial obligation.

Companies like LendUp have drawn positive press from the technology news in the past few years.

TechCrunch said the startup would make the “loan experience when it comes to scores of unbanked Americans more transparent” and fair. Time Magazine stated it offered an “innovative brand brand brand new pay day loan banking model that is more Silicon Valley than Wall Street”.

The violations raise questions regarding that type or sorts of praise and declare that regulators need to do a more satisfactory job scrutinizing on line startups, stated Liana Molina, manager of community engagement when it comes to California Reinvestment Coalition, a group that advocates for reasonable banking access for low-income communities.

“The primary takeaway listed here is that payday loans online . are simply as dangerous or even more therefore compared to those items obtainable in the storefronts,” she said, adding that limitations over the board must be strengthened to higher shield people that are vulnerable harmful loans.

“There’s a great deal more work to be achieved … [but] it delivers a message that is strong quote-unquote ‘innovators’ in this area that they must stay glued to current defenses.”

In June, the CFPB pressed ahead brand brand brand brand new guidelines directed at managing the $38.5bn loan that is payday, needing loan providers to validate the earnings of borrowers to make certain they could manage to repay the loans.

Because of this, electronic financing solutions are quickly expanding, stated Paige Marta Skiba, Vanderbilt University economist and legislation teacher. “We’re going to start to see the type of crazy crazy western of online financing.”

This week’s enforcement actions could impede capital efforts for LendUp and its own rivals, that could have harmed organizations wanting to provide fairer options, Skiba included.

“People willing to purchase this sort of startup will probably be even more scared … It’s likely to be hard, or even impossible.”

LendUp downplayed the charges in a declaration, saying the charges “address legacy issues that mostly date back again to our start as a business, whenever we had been a seed-stage startup with restricted resources and also as few as five employees”.

The company now has devoted conformity and appropriate groups and has “fully addressed the problems cited by our regulators, including discontinuing some services”, the declaration stated.

The LendUp charges are additionally noteworthy considering the fact that Bing, an integral funder, announced in 2010 so it would no further sell advertisements for pay day loan businesses, saying they certainly were “dangerous items” classified within the exact same category as weapons and tobacco.

During the right time, LendUp criticized the ban, saying it absolutely was too broad and would adversely impact them.

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031 400 000

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Dario Čakmak

rezija@ostv.hr

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031 400 003

marketing@ostv.hr

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Dizajn i izrada: Gauss Development