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E-grāmata: Credit, Consumers and the Law: After the global storm

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  • Formāts: 286 pages
  • Sērija : Markets and the Law
  • Izdošanas datums: 14-Oct-2016
  • Izdevniecība: Routledge
  • Valoda: eng
  • ISBN-13: 9781317158073
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  • Formāts: 286 pages
  • Sērija : Markets and the Law
  • Izdošanas datums: 14-Oct-2016
  • Izdevniecība: Routledge
  • Valoda: eng
  • ISBN-13: 9781317158073
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Consumer law, particularly consumer credit law, is characterised by increasingly complex regulation in Western economies. Reacting to the Global Financial Crisis, governments in the UK, the EU, Australia, New Zealand and the United States have adopted new laws dealing with consumer credit, responsible lending, consumer guarantees and unfair contracts. Drawing together authors from all of these jurisdictions, this book analyses and evaluates these initiatives, and makes predictions as to their likely success and possible flaws.

Recenzijas

'A timely, insightful and cohesive set of expert commentaries on more paternalistic, cohesive and publically-enforced consumer credit regulation after the GFC, focusing on the UK, USA and Australia.'

Professor Luke Nottage, University of Sydney, Australia

List of contributors
vii
Acknowledgements viii
Table of cases
ix
Table of legislation
xiii
PART I Issues and themes
1(16)
1 Consumer law: paternalism, fragmentation and centralised enforcement
3(14)
Karen Fairweather
Paul O'Shea
Ross Grantham
PART II Functional perspectives
17(86)
2 It's for your own good: legal paternalism and New Zealand consumer credit laws
19(23)
Kate Tokeley
3 Credit: suitable for one or safe for everyone?
42(20)
Gail Pearson
4 Responsible lending: consumer protection and prudential regulation perspectives
62(24)
Onyeka K. Osuji
5 Can consumer law solve the problem of complexity in US consumer credit products?
86(17)
Kathleen C. Engel
PART III Responsible lending and financial exclusion
103(98)
6 Making payday loans safer: the Australian approach to regulating small and medium sized loans
105(27)
Nicola J. Howell
7 High-cost credit in the UK: a philosophical justification for government intervention
132(21)
Jodi Gardner
8 Apples and oranges? Responsible mortgage lending in the UK and Australia
153(30)
Karen Fairweather
9 Sorting the sheep from the wolves in sheep's clothing: defining Community Development Finance Institutions as distinct from fringe lenders in efforts to address financial exclusion
183(18)
Therese Wilson
PART IV Unfair contract terms
201(57)
10 Unfair contract terms legislation: is it good consumer law?
203(20)
Paul O'Shea
11 The fragility of unfair terms law on bank charges: towards a complex re-litigation in the UK?
223(16)
Mel Kenny
James Devenney
12 The regulation of unfair terms in non-professional suretyship agreements: lessons for the wider European Union harmonisation agenda
239(19)
James Devenney
Mel Kenny
Index 258
Karen Fairweather is an Associate Lecturer at the TC Beirne School of Law, the University of Queensland. Prior to this she was a lecturer at Durham University in the UK. She has taught contract law, trusts, legal history and civil remedies. She has a particular interest in the history of consumer credit law and has published widely on historical aspects of consumer credit as well as on contemporary developments in the field.

Paul OShea was a Senior Lecturer at the TC Beirne School of Law at the University of Queensland and is now principal solicitor and director of OShea Lawyers. He is one of Australias leading researchers in consumer law, particularly consumer credit law. He has taught consumer and commercial law at universities in Australia and throughout Asia and has published extensively in this field. His research has been cited in superior court decisions and by the Australian Commonwealth Treasury in support of legislation regulating consumer credit.

Ross Grantham is a Professor of Commercial Law at the TC Beirne School of Law, the University of Queensland and the Director of the Australian Centre for Private Law. He is the author of a number of monographs, casebooks, and numerous scholarly journal articles, and has co-edited four collections of essays. He is a member of the editorial boards of The Company Lawyer and the Journal of Corporate Law Studies and is the Australian editor of the Journal of Business Law. He was Dean of Law and Head of School at the TC Beirne School of Law between 2007 and 2012, having been Deputy Head of School 20052006, and Director of Research 20042005.