Consumer Credit In The European Union
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Author | : Great Britain: Parliament: House of Lords: European Union Committee |
Publisher | : The Stationery Office |
Total Pages | : 176 |
Release | : 2006-07-05 |
Genre | : Political Science |
ISBN | : 9780104009116 |
Evidence taken before Sub-committee G (Social and Consumer Affairs).
Author | : Miriam Anderson |
Publisher | : |
Total Pages | : 460 |
Release | : 2017 |
Genre | : Housing |
ISBN | : 9789089521989 |
How has European Private Law responded to the property and mortgage markets crisis? And in what way is this reaction likely to model domestic systems? The financial and economic crisis that marked the beginning of the century has had a devastating effect on the property and mortgage markets in many Member States of the European Union. Despite this, the European legislator took its time to respond. This book analyzes the impact of the Mortgage Credit Directive (Directive 2014/17) in twelve different jurisdictions: Belgium, England, France, Germany, Greece, Ireland, Italy, Malta, The Netherlands, Poland, Portugal, and Spain. The reports show how in some instances only certain products (such as foreign currency loans) or practices (irresponsible lending, homeownership promoting policies, the use of unfair terms) were factors that triggered the property crash; in other cases; the system completely failed to address an exceptional situation; and, finally, how in some instances prudent lending explained why the market was virtually not hit at all. This book aims to find out whether the two goals of Directive 2014/17 (financial sector stability and enhanced consumer protection) can be achieved in light of its provisions and of the transposition carried out by the different Member States, and whether the changes it introduces have a significant impact in the jurisdictions considered here. Some systems are already showing signs of yet another property bubble. There is room for hope: perhaps we have learned from the past, perhaps the Directive is a step forward, but more importantly this book shows that we can learn from each other. [Subject: European Law, Private Law, Property Law]
Author | : Giuseppe Bertola |
Publisher | : MIT Press |
Total Pages | : 389 |
Release | : 2006 |
Genre | : Consumer credit |
ISBN | : 0262026015 |
Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.
Author | : Karen Fairweather |
Publisher | : Routledge |
Total Pages | : 312 |
Release | : 2016-10-14 |
Genre | : Law |
ISBN | : 1317158075 |
Consumer law, particularly consumer credit law, is characterised by increasingly complex regulation in Western economies. Reacting to the Global Financial Crisis, governments in the UK, the EU, Australia, New Zealand and the United States have adopted new laws dealing with consumer credit, responsible lending, consumer guarantees and unfair contracts. Drawing together authors from all of these jurisdictions, this book analyses and evaluates these initiatives, and makes predictions as to their likely success and possible flaws.
Author | : Federico Ferretti |
Publisher | : Routledge |
Total Pages | : 263 |
Release | : 2008-05-13 |
Genre | : Business & Economics |
ISBN | : 1134044496 |
This book examines the legal framework and compliance in the EC of consumer credit reporting and credit information sharing arrangements. It also looks at the issue of human rights, and the extent to which the right to privacy of consumers should be balanced against the aims of consumer credit reporting.
Author | : Great Britain: Parliament: House of Lords: European Union Committee |
Publisher | : The Stationery Office |
Total Pages | : 132 |
Release | : 2005 |
Genre | : Business & Economics |
ISBN | : 9780104007372 |
Evidence taken before Sub-committee G, Social and Consumer Affairs.
Author | : James Devenney |
Publisher | : Cambridge University Press |
Total Pages | : 337 |
Release | : 2012-07-12 |
Genre | : Law |
ISBN | : 110701302X |
This topical collection of essays provides a detailed analysis of European consumer protection law in credit and investment.
Author | : Iris Benöhr |
Publisher | : OUP Oxford |
Total Pages | : 274 |
Release | : 2013-12-19 |
Genre | : Law |
ISBN | : 0191650641 |
Traditionally, consumer law has played an instrumental role in the EU as a tool for market integration. There are now signs in the new EU legal framework and jurisprudence that this may be changing. The Lisbon Treaty contains provisions affecting consumer law and, at the same time, it grants binding legal force to the EU Charter, which in turn adds a fundamental rights dimension to consumer protection. This evolution, however, is still at an early stage and may be thwarted by conflicting trends. Moreover, it may generate tensions between social objectives and economic goals. This book provides the first comprehensive analysis of these developments and examines new avenues that may be opening for consumer law, focusing on three key areas: financial services, electronic communication and access to justice. Through a systematic analysis of relevant cases, the book traces the development of a human rights dimension in consumer law and details the ramifications that the post-Lisbon legal framework may have on consumer protection and policy. This book concludes by proposing new directions in consumer law, striking a compromise between social and economic demands.
Author | : Federico Ferretti |
Publisher | : Springer |
Total Pages | : 135 |
Release | : 2014-07-24 |
Genre | : Law |
ISBN | : 3319089064 |
The legitimacy or illegitimacy of information exchanges between competitors remains a topical debate with regard to EU competition law and policy. This book reexamines the issue in the retail financial services sector, focusing on the peculiar problems that it poses for EU market integration, consumer policy and protection and the intersection with fundamental rights. It analyzes and reflects on the relevant case law and guidelines offered by the corresponding European authorities, providing a critique of the current approach and advancing the proposition that information markets themselves need attention, in addition to the markets that they serve. The book also advances new perspectives on cases in which consumers’ personal information is involved in the exchange, recognizing the inevitable interaction between EU competition law, the interests and protection of consumers and personal data protection. It suggests that the status quo under competition law is unsatisfactorily short sighted and that the EU should take a holistic approach (including information markets) to the analysis of competition law, reflecting consumer protection and fundamental rights aspects in the assessment.
Author | : Mr.Shekhar Aiyar |
Publisher | : International Monetary Fund |
Total Pages | : 79 |
Release | : 2015-09-24 |
Genre | : Business & Economics |
ISBN | : 1513511653 |
Europe’s banking system is weighed down by high levels of non-performing loans (NPLs), which are holding down credit growth and economic activity. This discussion note uses a new survey of European country authorities and banks to examine the structural obstacles that discourage banks from addressing their problem loans. A three pillared strategy is advocated to remedy the situation, comprising: (i) tightened supervisory policies, (ii) insolvency reforms, and (iii) the development of distressed debt markets.