Future of Consumer Credit Regulation: Creative Approaches to Emerging Problems

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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.
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Product Details

  • ISBN-13: 9780754674177
  • Publisher: Ashgate Publishing, Limited
  • Publication date: 11/1/2008
  • Series: Markets and the Law Series
  • Pages: 256
  • Product dimensions: 6.40 (w) x 9.30 (h) x 0.90 (d)

Table of Contents

Pt. I Emerging Paradigms
1 Financial Literacy and the Creation of Financial Citizens Gail Pearson Pearson, Gail 3
2 Broad Standards as a Vehicle for Consumer Rights: The Case of Financial Products in the United Kingdom Iain MacNeil MacNeil, Iain 29
3 From Status to Contract: Evolving Paradigms for Regulating Consumer Credit Rashmi Dyal-Chand Dyal-Chand, Rashmi 49
4 The EU Financial Services Policy and its Effect on Consumer Law Manfred Westphal Westphal, Manfred 69 Pt. II Responsible Lending
5 Responsible Lending or Restrictive Lending Practices? Balancing Concerns Regarding Over-Indebtedness with Addressing Financial Exclusion Therese Wilson Wilson, Therese 91
6 Payday Loans: Unintended Consequences of American Efforts to Tame the Beast Mary Spector Spector, Mary 107
7 Credit Alternatives and Micro-Lending in American Immigrant Communities James P. Nehf Nehf, James P. 129 Pt. III Debt Relief and Insolvency
8 Better Consumer Protection under the Statutory 'in duplum' Rule Michelle Kelly-Louw Kelly-Louw, Michelle 155
9 A Struggling Social Safety Net: Global Lessons from Bankruptcy and Healthcare Reforms in the United States, France and England Robert J. Landry III Landry, Robert J., III Amy K. Yarbrough Yarbrough, Amy K. 165
10 The Reform of Administration Orders within a New Consumer Credit Framework Andre Boraine Boraine, Andre 187
11 Defining the Unincorporated Business in Financial Distress: Should it be Treated as a Business or as a Consumer? Anneli Loubser Loubser, Anneli 217 Index 235
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