The Future of Consumer Credit Regulation Creative Approaches to Emerging ProblemsPDF电子书下载

PART Ⅰ EMERGING PARADIGMS 3

1 Financial Literacy and the Creation of Financial CitizensE Gail Pearson 3

2 Broad Standards as a Vehicle for Consumer Rights: The Case of Financial Products in the United Kingdom&Iain MacNeil 29

3 From Status to Contract: Evolving Paradigms for Regulating Consumer Credit&Rashmi Dyal-Chand 49

4 The EU Financial Services Policy and its Effect on Consumer Law&Manfred Westphal 69

PART Ⅱ RESPONSIBLE LENDING 91

5 Responsible Lending or Restrictive Lending Practices? Balancing Concerns Regarding Over-Indebtedness with Addressing Financial Exclusion&Therese Wilson 91

6 Payday Loans: Unintended Consequences of American Efforts to Tame the Beast&Mary Spector 107

7 Credit Alternatives and Micro-Lending in American Immigrant Communities&James P.Nehf 129

PART Ⅲ DEBT RELIEF AND INSOLVENCY 155

8 Better Consumer Protection under the Statutory ‘in duplum’ Rule&Michelle Kelly-Louw 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 and Amy K.Yarbrough 165

10 The Reform of Administration Orders within a New Consumer Credit Framework&Andre Boraine 187

11 Defining the Unincorporated Business in Financial Distress: Should it be Treated as a Business or as a Consumer?&Anneli Loubser 217

Index 235