The law on capping interest rates for IFN loans has started to take effect.

A man and a woman are sitting on yellow chairs in a modern office setting, facing each other. The man is gesturing with his hands as he speaks, while the woman listens attentively. The background features a honeycomb-patterned wall with lighting, plants, and some office furniture. A logo for 'Viva CREDIT' is visible in the top right corner. The scene transitions to a close-up of the man speaking.