Michelle Kelly-Louw is Associate Professor in the Department of Mercantile Law, UNISA, South Africa. James P. Nehf is Professor of Law and Cleon H. Foust Fellow, Indiana University School of Law. Peter Rott is Professor of Law, Universität Bremen.

• Contents: Preface; Introduction; Part I Emerging Paradigms: Financial literacy and the creation of financial citizens, Gail Pearson; Broad standards as a vehicle for consumer rights: the case of financial products in the United Kingdom, Iain MacNeil; From status to contract: evolving paradigms for regulating consumer credit, Rashmi Dyal-Chand; The EU financial services policy and its effect on consumer law, Manfred Westphal. Part II Responsible Lending: Responsible lending or restrictive lending practices? Balancing concerns regarding over-indebtedness with addressing financial exclusion, Therese Wilson; Payday loans: unintended consequences of American efforts to tame the beast, Mary Spector; Credit alternatives and micro-lending in American immigrant communities, James P. Nehf. Part III Debt Relief and Insolvency: Better consumer protection under the statutory 'in duplum' rule, Michelle Kelly-Louw; 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. Yarborough; The reform of administration orders within a new consumer credit framework, André Boraine; Defining the unincorporated business in financial distress: should it be treated as a business or a consumer?, Anneli Loubser; Index.

'Consumer credit reforms seem to be everywhere in the contemporary world. This book is brimming with comparative ideas on reform and international reflections on the increasing financialization of our daily lives.' Iain Ramsay, University of Kent, UK 'The Future of Consumer Credit Regulation is extremely well-written meaning that complex topics are explained logically. Each essay is superbly researched meaning it can form an excellent starting point for further research...[this book] is an indispensable text for anyone studying or practising in this challenging and interesting area of law.' The Student Law Journal

Michelle Kelly-Louw is Associate Professor in the Department of Mercantile Law, UNISA, South Africa. James P. Nehf is Professor of Law and Cleon H. Foust Fellow, Indiana University School of Law. Peter Rott is Professor of Law, Universität Bremen.

• Contents: Preface; Introduction; Part I Emerging Paradigms: Financial literacy and the creation of financial citizens, Gail Pearson; Broad standards as a vehicle for consumer rights: the case of financial products in the United Kingdom, Iain MacNeil; From status to contract: evolving paradigms for regulating consumer credit, Rashmi Dyal-Chand; The EU financial services policy and its effect on consumer law, Manfred Westphal. Part II Responsible Lending: Responsible lending or restrictive lending practices? Balancing concerns regarding over-indebtedness with addressing financial exclusion, Therese Wilson; Payday loans: unintended consequences of American efforts to tame the beast, Mary Spector; Credit alternatives and micro-lending in American immigrant communities, James P. Nehf. Part III Debt Relief and Insolvency: Better consumer protection under the statutory 'in duplum' rule, Michelle Kelly-Louw; 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. Yarborough; The reform of administration orders within a new consumer credit framework, André Boraine; Defining the unincorporated business in financial distress: should it be treated as a business or a consumer?, Anneli Loubser; Index.

'Consumer credit reforms seem to be everywhere in the contemporary world. This book is brimming with comparative ideas on reform and international reflections on the increasing financialization of our daily lives.' Iain Ramsay, University of Kent, UK 'The Future of Consumer Credit Regulation is extremely well-written meaning that complex topics are explained logically. Each essay is superbly researched meaning it can form an excellent starting point for further research...[this book] is an indispensable text for anyone studying or practising in this challenging and interesting area of law.' The Student Law Journal

Michelle Kelly-Louw is Associate Professor in the Department of Mercantile Law, UNISA, South Africa. James P. Nehf is Professor of Law and Cleon H. Foust Fellow, Indiana University School of Law. Peter Rott is Professor of Law, Universität Bremen.

• Contents: Preface; Introduction; Part I Emerging Paradigms: Financial literacy and the creation of financial citizens, Gail Pearson; Broad standards as a vehicle for consumer rights: the case of financial products in the United Kingdom, Iain MacNeil; From status to contract: evolving paradigms for regulating consumer credit, Rashmi Dyal-Chand; The EU financial services policy and its effect on consumer law, Manfred Westphal. Part II Responsible Lending: Responsible lending or restrictive lending practices? Balancing concerns regarding over-indebtedness with addressing financial exclusion, Therese Wilson; Payday loans: unintended consequences of American efforts to tame the beast, Mary Spector; Credit alternatives and micro-lending in American immigrant communities, James P. Nehf. Part III Debt Relief and Insolvency: Better consumer protection under the statutory 'in duplum' rule, Michelle Kelly-Louw; 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. Yarborough; The reform of administration orders within a new consumer credit framework, André Boraine; Defining the unincorporated business in financial distress: should it be treated as a business or a consumer?, Anneli Loubser; Index.

'Consumer credit reforms seem to be everywhere in the contemporary world. This book is brimming with comparative ideas on reform and international reflections on the increasing financialization of our daily lives.' Iain Ramsay, University of Kent, UK 'The Future of Consumer Credit Regulation is extremely well-written meaning that complex topics are explained logically. Each essay is superbly researched meaning it can form an excellent starting point for further research...[this book] is an indispensable text for anyone studying or practising in this challenging and interesting area of law.' The Student Law Journal