International Responses to Issues of Credit and Over-indebtedness in the Wake of CrisisRoutledge, 22 apr 2016 - 272 pagina's 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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American Mafia approach ASIC assessment Australia banks borgata capital CDFIs cent chapter Commission Competition Consumer Credit Protection consumer finance Consumer Law consumer’s context corporate Corporate Social Responsibility courts CPA Australia credit agreement credit cards credit market credit provider credit regulation debt Directive disclosure discussion economic enforcement European example financial consumer protection financial exclusion financial firms financial institutions financial markets financial products financial services Financial Services Authority financial stability France funds Geraint Howells global financial crisis Iain Ramsay Ibid impact individuals interest rates involved Journal juristic person Law Review legislation lenders Mafia MIFID mortgage loans National Consumer Credit National Credit neoliberal obligations OECD organizations over-indebtedness partnerships Payment Protection Insurance potential Predatory Lending Private Law producerism product safety Reform regulatory Report requirements residential mortgage responsible lending regimes risk role Securities securitization small businesses social summit suppliers transaction unfair