Consumer Credit, Debt and Investment in Europe

James Devenney is Professor of Commercial Law at the School of Law, University of Exeter. Mel Kenny is Reader in Commercial Law at Leicester Law School.

• 1. Vulnerability and access to low cost credit Orkun Akseli; 2. Information disclosure in the EU Consumer Credit Directive: opportunities and limitations Catherine Garcia Porras and Willem van Boom; 3. European regulation of consumer credit: enhancing consumer confidence and protection from a UK perspective? Sarah Brown; 4. The development of responsible lending in the UK Consumer Credit Regime Karen Fairweather; 5. The French Consumer Credit Act (2010) [Loi 2010-737 du 1er juillet 2010 portant réforme du crédit à la consommation] Marine Friant-Perrot; 6. The legal framework for consumer credit in Romania: facts and prospects Rodica Diana Apan; 7. The legal regulation of pawnbroking in England, a brief history Warren Swain; 8. Mortgage finance: who's responsible? Sarah Nield; 9. Fairness and efficiency in the law of guarantees Gerry McCormack; 10. A comparative analysis of bank charges in Europe: OFT v. Abbey National plc through the looking glass Mel Kenny and James Devenney; 11. Designing a framework for protecting bank depositors Andrew Campbell; 12. The legal matrix for retail investment services in the EU: where is an individual investor? Olha O. Cherednychenko; 13. Financial investors as consumers: recent Italian legislation from a European perspective Cristina Amato and Chiara Perfumi; 14. Conclusions: consumer credit, debt and investment in Europe Mel Kenny and James Devenney.

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