{"topic":"predatory_lending","label":"Predatory Lending","script_60s":"[0:00] HOOK — 'When the loan is the trap.'\n[0:05] You've seen the ads. You've signed the contract. Pero alam mo ba ang totoo?\n[0:12] Daily interest of 0.8% is not 0.8% per year — it's ~292% APR. (RA 3765 (Truth in Lending Act), §4 — APR disclosure required.)\n[0:25] Bago ka pumirma, hingin ang itemized fees. Walang 'processing fee' na biglaan.\n[0:35] A loan contract you can't keep a copy of is non-compliant.\n[0:45] May libreng tools sa labanph.org. Free letter builder. Free filing guide.\n[0:55] May reklamo ka? File mo. Hindi ka nag-iisa.\n[1:00] CTA: labanph.org — boses ng kumakayod.","script_30s":"[0:00] HOOK — When the loan is the trap.\n[0:05] 0.8% kada araw mukhang maliit. Beses-292 kapag binilang per year. Yan ang dapat sabihin sa contract.\n[0:12] All fees must be itemized in writing before signing.\n[0:20] Free tools sa labanph.org. Walang bayad para mag-file.\n[0:28] CTA: tag mo si labanph kapag may reklamo ka.","caption":"Predatory Lending — When the loan is the trap.\n\nTILA, BSP Circular 1048, Consumer Act protections — and what predatory contracts ignore.\n\nTop 3 facts you should know:\n1. Daily interest of 0.8% is not 0.8% per year — it's ~292% APR.\n2. All fees must be itemized in writing before signing.\n3. A loan contract you can't keep a copy of is non-compliant.\n\nFree filing tools: labanph.org\nDM @labanph for help with your case.","hashtags":["#LabanPH","#ConsumerRightsPH","#Predatorylending","#KonsyumerLaban","#PinoyAdvocacy"],"b_roll":["Phone screen showing predatory lending contract / app permissions screen.","Hands signing a paper contract (close-up).","labanph.org homepage scroll on mobile (call-to-action shot)."],"music_advice":"Use a royalty-free Tagalog spoken-word or instrumental track at -14 LUFS for TikTok/Reels.","fact_check_url":"https://labanph.org/cases"}