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The Future of Consumer Credit Regulation: Creative Approaches to Emerging Problems

The Future of Consumer Credit Regulation: Creative Approaches to Emerging Problems

Author: Michelle Kelly-Louw; Peter Rott; James P. Nehf
Publisher: Routledge
ISBN: 9781138260054

Published In: November 2016
Format: Paperback
Jurisdiction: U.K. ? Disclaimer:
Countri(es) stated herein are used as reference only
Hardback Edition ISBN: 9780754674177

List Price: HKD 480.87

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Description
Contents

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Effective regulation of consumer credit in modern society is an ever-changing challenge. As new forms of credit emerge in free societies, regulation often lags behind. This volume explores contemporary problems related to the regulation of consumer credit in market economies with a focus on credit extended to the most vulnerable and poorest members of the community. Written by experts in the field of consumer credit regulation from Europe, North America, Australia and South Africa, the book examines some of the most important consumer credit issues facing consumers today and proposes innovative ways to protect the consumer interest in those markets.

Preface

Introduction

Part I. Emerging Paradigms:

Financial literacy and the creation of financial citizens - Gail Pearson

Broad standards as a vehicle for consumer rights: the case of financial products in the United Kingdom - Iain MacNeil

From status to contract: evolving paradigms for regulating consumer credit - Rashmi Dyal-Chand

The EU financial services policy and its effect on consumer law - Manfred Westphal

Part II. Responsible Lending: Responsible lending or restrictive lending practices?

Balancing concerns regarding over-indebtedness with addressing financial exclusion - Therese Wilson

Payday loans: unintended consequences of American efforts to tame the beast - Mary Spector

Credit alternatives and micro-lending in American immigrant communities - James P. Nehf

Part III. Debt Relief and Insolvency:

Better consumer protection under the statutory 'in duplum' rule - Michelle Kelly-Louw

A struggling social safety net: global lessons from bankruptcy and healthcare reforms in the United States, France and England - Robert J. Landry III and Amy K. Yarborough

The reform of administration orders within a new consumer credit framework - André Boraine

Defining the unincorporated business in financial distress: should it be treated as a business or a consumer? - Anneli Loubser

Index