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Financial Inclusion Law and Over-Indebtedness

Financial Inclusion Law and Over-Indebtedness

Author: Michelle Kelly Louw; Duygu Damar-Blanken
Publisher: Routledge
ISBN: 9781032812977
Published In: September 2025
Format: Hardback
Jurisdiction: U.K. ? Disclaimer:
Countri(es) stated herein are used as reference only

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Description
Contents

Details

The book addresses the current challenges faced by financial consumers in the context of enormous technological developments. This edited collection covers safeguarding financial consumers, encompassing topics such as financial inclusion, data protection and consumer over-indebtedness. Addressing specific issues related to vulnerable consumer groups and the increasing digitization of financial services, it grapples with the emerging challenge demanding that consumers possess technological literacy.

The book offers a distinct new perspective, going beyond the traditional understanding of financial inclusion, which typically only considers the possession of a bank account. Instead, it explores new dimensions, including the obstacles consumers face in obtaining credit, establishing a credit history, and coping with issues such as being blacklisted. The book explores diverse strategies for enhancing financial inclusion, such as leveraging data, and open banking. It also scrutinizes the pursuit of credit fairness and examines methods to either mitigate or effectively address over-indebtedness, a persistent and formidable challenge for financial consumers.

The book will be of interest to researchers, practitioners, and governmental organisations in the field of finance law and the law of emerging technologies.

Introduction

Michelle Kelly-Louw and Duygu Damar-Blanken

PART I: ACCESS

1. Protection of the financial consumers in the EU against unfair contract terms in the foreign currency loans

Jagna Mucha

2. Unveiling Digital-Financial Exclusion Among the Elderly: Gaps in Knowledge and Methodology

Anne-Marie Weber, Weronika Herbet-Homenda, Helena Kordasiewicz

3. Knowledge and competence requirements in the Mortgage Credit Directive: An adequate protection of financial illiterate consumers?

Joana Farrajota

4. Blacklisting Defaulting Consumers in Credit Information Registers – Lessons from Estonia and Finland Anu Kaup and Karin Sein 5. The Poor Pay More (with Data) - Strategies and Legal Solutions in the USA and the EU for Credit Invisibles and the Poorly Scored

Ulrich Krüger

PART II: DIGITALISATION

6. CBDCs and Vulnerable Consumers: Risks and Opportunities for Financial Inclusion and Access to Credit

Noah Vardi

7. Open Banking and Consumer Protection: The Canadian Perspective

Marc Lacoursière

8. Online Dispute Resolution as a Forum for Resolving Algorithmic Trading Error Dispute in Financial Market

Faizal Kurniawan, Harven Filippo Taufik, Izzah Khalif Raihan Abidin, Dinda Ajeng Puspanita, Rizky Amalia, Hilda Sabrie Yunita, Maradona

PART III: OVER-INDEBTEDNESS

9. The 2021 Reform of the Brazilian Consumer Code in Consumer Credit and Over-Indebtedness: Effectiveness and Unanswered Questions

Claudia Lima Marques

10. The in Duplum Rule in South Africa and Kenya: A Tool to Protect Over-indebted Consumers or Regulate Banking?