Consumer Credit, Debt and Investment in Europe

doi:10.1017/CBO9781139003469

Produced under the auspices of an EU-funded Marie Curie research programme, this volume analyses vulnerability in European private law and scrutinises consumer protection in credit and investments in the context of the recent turmoil in financial markets and EU harmonisation initiatives in the area. It explores key issues such as responsible lending, the disclosure of information, consumer confidence, the regulation of consumer investment services and the protection of bank depositors. The chapters emanate from the 'Consumer Protection in Europe: Theory and Practice' duo colloquium which explored consumer protection in Europe in its theoretical and practical dimensions. These topics are even more relevant today given the passage of the Consumer Rights Directive, the appointment of an Expert Group on a common frame of reference, the Green Paper on European Contract Law and the ongoing deliberations surrounding the Common European Sales Law.

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Contents

Consumer Credit, Debt and Investment in Europe - Half title page
pp i-ii
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Consumer Credit, Debt and Investment in Europe - Title page
pp iii-iii
- By James Devenney, Mel Kenny
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Copyright page
pp iv-iv
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Contents
pp v-vi
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Foreword
pp vii-viii
- By Geraint Howells
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Introduction
pp 1-3
- By Mel Kenny, James Devenney
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1 - Vulnerability and access to low cost credit
pp 4-20
- By Orkun Akseli
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2 - Information disclosure in the EU Consumer Credit Directive: opportunities and limitations
pp 21-55
- By Catherine I. Garcia Porras, Willem H. van Boom
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3 - European regulation of consumer credit: enhancing consumer confidence and protection from a UK perspective?
pp 56-83
- By Sarah Brown
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4 - The development of responsible lending in the UK consumer credit regime
pp 84-110
- By Karen Fairweather
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5 - The French Consumer Credit Act (2010): a missed opportunity
pp 111-126
- By Marine Friant-Perrot
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6 - The legal framework for consumer credit in Romania: facts and prospects
pp 127-141
- By Rodica Diana Apan
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7 - The legal regulation of pawnbroking in England, a brief history
pp 142-159
- By Warren Swain, Karen Fairweather
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8 - Mortgage finance: who's responsible?
pp 160-181
- By Sarah Nield
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9 - Fairness and efficiency in the law of guarantees
pp 182-211
- By Gerard McCormack
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10 - A comparative analysis of bank charges in Europe: OFT v. Abbey National plc through the looking glass
pp 212-233
- By Mel Kenny, James Devenney
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11 - Designing a framework for protecting bank depositors
pp 234-252
- By Andrew Campbell
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12 - The legal matrix for retail investment services in the EU: where is an individual investor?
pp 253-278
- By Olha O. Cherednychenko
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13 - Financial investors as consumers: recent Italian legislation from a European perspective
pp 279-305
- By Cristina Amato, Chiara Perfumi
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14 - Conclusions: consumer credit, debt and investment in Europe
pp 306-315
- By Mel Kenny, James Devenney
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Index
pp 316-327
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Consumer Credit, Debt and Investment in Europe

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Contents

Consumer Credit, Debt and Investment in Europe - Half title page
pp i-ii

Consumer Credit, Debt and Investment in Europe - Title page
pp iii-iii

Copyright page
pp iv-iv

Contents
pp v-vi

Foreword
pp vii-viii

Introduction
pp 1-3

1 - Vulnerability and access to low cost credit
pp 4-20

2 - Information disclosure in the EU Consumer Credit Directive: opportunities and limitations
pp 21-55

3 - European regulation of consumer credit: enhancing consumer confidence and protection from a UK perspective?
pp 56-83

4 - The development of responsible lending in the UK consumer credit regime
pp 84-110

5 - The French Consumer Credit Act (2010): a missed opportunity
pp 111-126

6 - The legal framework for consumer credit in Romania: facts and prospects
pp 127-141

7 - The legal regulation of pawnbroking in England, a brief history
pp 142-159

8 - Mortgage finance: who's responsible?
pp 160-181

9 - Fairness and efficiency in the law of guarantees
pp 182-211

10 - A comparative analysis of bank charges in Europe: OFT v. Abbey National plc through the looking glass
pp 212-233

11 - Designing a framework for protecting bank depositors
pp 234-252

12 - The legal matrix for retail investment services in the EU: where is an individual investor?
pp 253-278

13 - Financial investors as consumers: recent Italian legislation from a European perspective
pp 279-305

14 - Conclusions: consumer credit, debt and investment in Europe
pp 306-315

Index
pp 316-327

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Consumer Credit, Debt and Investment in Europe

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