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  • The Consumer Credit Product Pre-Contractual Disclosure Form was issued to all the licensed financial institutions (LFIs) in Fiji in July 2014. The form is a mandatory requirement for the LFIs with the objective of strengthening consumers understanding of their credit responsibilities. The standardization format of disclosure requirements ensures transparency and enables comparability of the interest rates, fees and charges by members of the public. The template is to be issued to any customer who in the assessment of the loans officer is making a genuine enquiry