International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis
This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.
1113854783
International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis
This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.
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International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis

International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis

by Therese Wilson
International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis
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International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis

International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis

by Therese Wilson

Overview

This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.

Product Details

ISBN-13: 9780367601737
Publisher: Taylor & Francis
Publication date: 06/30/2020
Pages: 272
Product dimensions: 6.12(w) x 9.19(h) x (d)

About the Author

Dr Therese Wilson is a Senior Lecturer in Law at Griffith University and a member of the Socio-Legal Research Centre. She currently teaches corporate law, banking and finance law and international commercial arbitration. Therese chairs the board of Foresters Community Finance Ltd and is a member of the board of Social Investments Australia Ltd.

Table of Contents

List of Figures and Tables vii

List of Contributors ix

Preface xi

Part I Introduction

1 Credit and Over-indebtedness: Current Context, Regulatory Responses and Future Possibilities Therese Wilson 3

Part II International Context

2 Continuity, not Rupture: The Persistence of Neoliberalism in the Internationalization of Consumer Finance Regulation Toni Williams 15

3 Access to, and Exclusion of, European Consumers from Financial Markets after the Global Financial Crisis Hans-W. Micklitz 47

Part III Current Responses

4 Culture or Politics? Models of Consumer Credit Regulation in France and the UK Iain Ramsay 79

5 The Responsible Lending Response Therese Wilson 109

Part IV Possible Future Initiatives

6 Extending Responsible Lending to Small Business: A 'Consumer' Categorization? Eileen Webb 135

7 Innovating for 'Safe Consumer Credit': Drawing on Product Safety Regulation to Protect Consumers of Credit Luke Nottage 185

8 Bank-Community Development Finance Institution Partnerships as a Means for Addressing Financial Vulnerability Justin Malbon 207

9 Mortgage Racketeering: The American Home Mortgage Foreclosure Crisis and the UN Convention Against Corruption Christopher L. Peterson 231

Index 253

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