Banking / Finance

Consumer Credit, Debt and Investment in Europe

Edited by James Devenney · Mel Kenny
Cambridge University Press July 2012

Specifications

ISBN-13
9781107013025
Publisher
Cambridge University Press
Publication
July 2012
Format
Hardback , 336 pages
Jurisdiction
Europe ? Countri(es) for reference only

Details

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

Table of Contents

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

About the Author

James Devenney, University of Exeter

Mel Kenny, University of Leicester

 
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