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Consumer Credit, Debt and Investment in Europe

Consumer Credit, Debt and Investment in Europe

Author: James Devenney ; Mel Kenny
Publisher: Cambridge University Press
ISBN: 9781107013025
Published In: July 2012
Format: Hardback , 336 pages
Jurisdiction: Europe ? Disclaimer:
Countri(es) stated herein are used as reference only

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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.

• Provides multi-jurisdictional perspectives from throughout Europe on consumer credit, investment and debt

• Offers a practical outline of the topic that will be useful for both academics and practitioners

• Policy analysis will assist academics, research institutes and policy-makers

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