A difference between an Article 2 consumer lease and a finance lease is Multiple Choice the finance lease will include a third party, such as a vendor. the amount or value of the lease. a consumer lease can only be between a consumer and a non-merchant while the finance lease is with a consumer and merchant. the consumer lease must be in writing while the finance lease is an exception to the Statute of Frauds. the parol evidence rule does not apply to the consumer lease