Financial Consumer Protection Act Article 10
Before a financial services enterprise enters into a contract with a financial consumer for the provision of financial products or services, it shall fully explain the important aspects of the financial products or services and of the contact to the financial consumer and shall also fully disclose the associated risks.An entity as referred to in the preceding paragraph that engages in the collection, processing, and use of personal information shall fully explain to the financial consumer his or her rights regarding the protection of personal information and the possible negative consequences of any refusal to provide consent. A financial services enterprise that engages in lending business shall also carefully consider the borrower, the intended use of the funds, the source of repayment, the security for its claim, the perspective risks and benefits of the loan, and other such lending principles, and it shall not decline to provide a loan to a financial consumer solely on the grounds that the financial consumer has refused to authorize it to submit a query about his or her credit information to an enterprise that conducts inter-institutional credit information services.The explanations and disclosures that the financial services enterprise provides to the financial consumer, as mentioned in paragraph 1, shall be in text or use another method that is fully understandable to the financial consumer, and the content thereof shall include, without limitation, aspects of material significance to the interests of the financial consumer, such as transaction costs, and possible gains and risks. Regulations governing related requirements shall be prescribed by the competent authority.When financial products provided by a financial services enterprise are complex, high-risk products as defined in Paragraph 2 of Article 11-2 of the Act, the aforementioned explanations and disclosures should be recorded or filmed unless it is an automatic channel transaction or the consumer does not agree.
中文原文 金融消費者保護法第10條
金融服務業與金融消費者訂立提供金融商品或服務之契約前，應向金融消費者充分說明該金融商品、服務及契約之重要內容，並充分揭露其風險。
前項涉及個人資料之蒐集、處理及利用者，應向金融消費者充分說明個人資料保護之相關權利，以及拒絕同意可能之不利益；金融服務業辦理授信業務，應同時審酌借款戶、資金用途、還款來源、債權保障及授信展望等授信原則，不得僅因金融消費者拒絕授權向經營金融機構間信用資料之服務事業查詢信用資料，作為不同意授信之唯一理由。
第一項金融服務業對金融消費者進行之說明及揭露，應以金融消費者能充分瞭解之文字或其他方式為之，其內容應包括但不限交易成本、可能之收益及風險等有關金融消費者權益之重要內容；其相關應遵循事項之辦法，由主管機關定之。
金融服務業提供之金融商品屬第十一條之二第二項所定之複雜性高風險商品者，前項之說明及揭露，除以非臨櫃之自動化通路交易或金融消費者不予同意之情形外，應錄音或錄影。
前項涉及個人資料之蒐集、處理及利用者，應向金融消費者充分說明個人資料保護之相關權利，以及拒絕同意可能之不利益；金融服務業辦理授信業務，應同時審酌借款戶、資金用途、還款來源、債權保障及授信展望等授信原則，不得僅因金融消費者拒絕授權向經營金融機構間信用資料之服務事業查詢信用資料，作為不同意授信之唯一理由。
第一項金融服務業對金融消費者進行之說明及揭露，應以金融消費者能充分瞭解之文字或其他方式為之，其內容應包括但不限交易成本、可能之收益及風險等有關金融消費者權益之重要內容；其相關應遵循事項之辦法，由主管機關定之。
金融服務業提供之金融商品屬第十一條之二第二項所定之複雜性高風險商品者，前項之說明及揭露，除以非臨櫃之自動化通路交易或金融消費者不予同意之情形外，應錄音或錄影。