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Consumer Credit, Debt and Investment in Europe

Edited by: James Devenney, Mel Kenny

ISBN13: 9781107013025
Published: July 2012
Publisher: Cambridge University Press
Country of Publication: UK
Format: Hardback
Price: £122.00



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This topical collection of essays emanates from the Consumer Protection in Europe: Theory and Practice duo colloquium in December 2009. That conference explored consumer protection in Europe and covered topics which are even more relevant today given the revisions to the proposed Consumer Rights Directive, the appointment of an Expert Group on a common frame of reference and the Green Paper on European Contract Law.

It was organised within the work programme Credit and Debt: Protecting the Vulnerable in Europe - a project placing emphasis on vulnerability in financial transactions. This volume focuses on consumer protection in credit and investments in the context of unprecedented turmoil in those markets and EU harmonisation initiatives in the area. It explores key issues such as responsible lending, information disclosure, consumer confidence, the regulation of consumer investment services and the protection of bank depositors.

Subjects:
Consumer Law, Banking and Finance
Contents:
1. Vulnerability and access to low cost credit Orkun Akseli
2. Information disclosure in the EU Consumer Credit Directive: opportunities and limitations Catherine Garcia Porras and Willem van Boom
3. European regulation of consumer credit: enhancing consumer confidence and protection from a UK perspective? Sarah Brown
4. The development of responsible lending in the UK Consumer Credit Regime Karen Fairweather
5. The French Consumer Credit Act (2010) [Loi 2010-737 du 1er juillet 2010 portant reforme du credit ... la consommation] Marine Friant-Perrot
6. The legal framework for consumer credit in Romania: facts and prospects Rodica Diana Apan
7. The legal regulation of pawnbroking in England, a brief history Warren Swain
8. Mortgage finance: who's responsible? Sarah Nield
9. Fairness and efficiency in the law of guarantees Gerry McCormack
10. A comparative analysis of bank charges in Europe: OFT v. Abbey National plc through the looking glass Mel Kenny and James Devenney
11. Designing a framework for protecting bank depositors Andrew Campbell
12. The legal matrix for retail investment services in the EU: where is an individual investor? Olha O. Cherednychenko
13. Financial investors as consumers: recent Italian legislation from a European perspective Cristina Amato and Chiara Perfumi
14. Conclusions: consumer credit, debt and investment in Europe Mel Kenny and James Devenney.