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上期划线句答案
In the same way that magic spells are often invoked in a rather grand and verbose style – to give them that extra air of importance – people also tend to apply the same sort of ratcheting up of complexity when it comes to legal documents, the study found.
就像施展魔法咒语一样，法律文件在表述时往往以一种相当宏大和冗长的方式出现，这种方式额外赋予了它们一种重要感，研究发现，人们在处理法律文件时也倾向于以同样的方式增加复杂性。
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本期内容
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双语阅读
Para.1
Shoppers who use “buy now, pay later” loans are to get new safeguards against unaffordable borrowing and credit card-style protection for their purchases, under rules outlined by the UK government. However, campaigners have questioned why the BNPL changes will not take effect until 2026, warning that consumers need to be “wary” in the meantime.
Para.2
In recent years the market for BNPL has boomed, with many big retailers teaming up with lenders such as Klarna and Clearpay to allow consumers to spread the cost of their purchases. But while the loans, typically advertised at online checkouts, do not attract interest, concerns have grown around the ease with which borrowers can build up unaffordable debt.
Para.3
Research carried out last year by the Financial Conduct Authority (FCA) found that 14 million people had used BNPL and frequent users were more than four times as likely to have recently missed a payment for a bill or credit commitment than those who had not used the loans. The Treasury said its new rules would allow the FCA to force BNPL companies to undertake affordability checks on would-be borrowers before people could sign up for a loan.
Para.4
Bringing the sector under the financial watchdog’s authority and applying the Consumer Credit Act to it will mean companies will need to provide clear, simple and accessible information about loan agreements so that shoppers can make fully informed decisions and understand the risks associated with late repayments.
Para.5
Shoppers will also benefit from section 75 of the act, which protects purchases if a company breaches its contract or provides faulty goods. The protection, which covers good and services costing between £100 and £30,000, already exists on credit card purchases. The government said a consultation on the rules was due to end on 29 November “to reflect the urgent need for action to protect consumers”, but added that the changes would not take effect until 2026.
本文节选自：GUARDIAN （卫报）
发布时间：2024.10.17
作者：Business
原文标题：New ‘buy now, pay later’ rules to protect UK shoppers from 2026
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写作句总结
原句：The government said a consultation on the rules was due to end on 29 November “to reflect the urgent need for action to protect consumers,” but added that the changes would not take effect until 2026.
结构：：The A said a B on X was due to end on Y “to reflect the urgent need for Z”.
例句：The school said a discussion on new policies was due to end on Friday “to reflect the urgent need for student safety”.
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阅读理解题
What is the author's purpose in mentioning "section 75 of the act" in the article?
A) To highlight existing consumer protections that will apply to BNPL purchases.
B) To illustrate how BNPL loans are more beneficial than credit cards.
C) To argue against the introduction of new BNPL regulations.
D) To explain why BNPL loans do not require affordability checks.
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全文概括
The UK government plans to introduce new regulations for "buy now, pay later" services, including affordability checks and consumer protection measures, by 2026. These regulations are intended to address growing concerns about the potential for consumers to accrue unaffordable debt through the use of BNPL. The new rules will bring BNPL under the purview of the Financial Conduct Authority and subject it to the Consumer Credit Act, requiring companies to provide clear information about loan agreements and offering consumers greater protection for purchases made using BNPL.
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打卡作业
翻译文章中的划线句，文末留言打卡，下期推送会在文章开头处公布参考翻译答案，大家一起来学习英语吧~
翻译 | 大橙子
校对 | 慢慢
词汇词组 | 胖葛柔儿
划线句讲解 | 流木
写作句总结 | 大橙子
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