International Responses To Issues Of Credit And Over Indebtedness In The Wake Of Crisis

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International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis

Author : Therese Wilson
Publisher : Routledge
ISBN 13 : 1317113748
Total Pages : 272 pages
Book Rating : 4.3/5 (171 download)

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Book Synopsis International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis by : Therese Wilson

Download or read book International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis written by Therese Wilson and published by Routledge. This book was released on 2016-04-22 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis

Author :
Publisher :
ISBN 13 : 9781315589534
Total Pages : 260 pages
Book Rating : 4.5/5 (895 download)

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Book Synopsis International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis by :

Download or read book International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis written by and published by . This book was released on 2013 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Financial Crises

Author : Mr.Stijn Claessens
Publisher : International Monetary Fund
ISBN 13 : 1475543409
Total Pages : 670 pages
Book Rating : 4.4/5 (755 download)

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Book Synopsis Financial Crises by : Mr.Stijn Claessens

Download or read book Financial Crises written by Mr.Stijn Claessens and published by International Monetary Fund. This book was released on 2014-02-19 with total page 670 pages. Available in PDF, EPUB and Kindle. Book excerpt: The lingering effects of the economic crisis are still visible—this shows a clear need to improve our understanding of financial crises. This book surveys a wide range of crises, including banking, balance of payments, and sovereign debt crises. It begins with an overview of the various types of crises and introduces a comprehensive database of crises. Broad lessons on crisis prevention and management, as well as the short-term economic effects of crises, recessions, and recoveries, are discussed.

Addressing Household Over-indebtedness

Author : Hans Dubois
Publisher :
ISBN 13 : 9789289720571
Total Pages : pages
Book Rating : 4.7/5 (25 download)

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Book Synopsis Addressing Household Over-indebtedness by : Hans Dubois

Download or read book Addressing Household Over-indebtedness written by Hans Dubois and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The issue of over-indebtedness continues to be a concern, particularly among some population groups and in Member States where recent increases can be observed. This report provides an overview of the main causes, triggers and consequences of household over-indebtedness, including the costs to society. It then examines two policy responses in the EU and Norway: debt advisory services and debt settlement procedures. While the findings show that in the wake of the global financial crisis, such services and procedures have generally become more widely available and accessible, gaps remain. The overall aim of the report is to draw the attention of national and EU-level policymakers to ways to improve policy responses to household over-indebtedness. This report examines debt advisory services and debt settlement procedures across the EU and Norway. Following the global financial crisis, these services and procedures are more widely available in many Member States. However, there are gaps in terms of access. By learning from practices across the EU, there is an opportunity at regional, national and EU levels to develop policies that serve to address household indebtedness.

Global Waves of Debt

Author : M. Ayhan Kose
Publisher : World Bank Publications
ISBN 13 : 1464815453
Total Pages : 403 pages
Book Rating : 4.4/5 (648 download)

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Book Synopsis Global Waves of Debt by : M. Ayhan Kose

Download or read book Global Waves of Debt written by M. Ayhan Kose and published by World Bank Publications. This book was released on 2021-03-03 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.

Consumer Debt and Social Exclusion in Europe

Author : Hans-W. Micklitz
Publisher : Routledge
ISBN 13 : 1317161262
Total Pages : 258 pages
Book Rating : 4.3/5 (171 download)

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Book Synopsis Consumer Debt and Social Exclusion in Europe by : Hans-W. Micklitz

Download or read book Consumer Debt and Social Exclusion in Europe written by Hans-W. Micklitz and published by Routledge. This book was released on 2016-03-09 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness. Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion.

Credit, Consumers and the Law

Author : Karen Fairweather
Publisher : Taylor & Francis
ISBN 13 : 1317158083
Total Pages : 262 pages
Book Rating : 4.3/5 (171 download)

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Book Synopsis Credit, Consumers and the Law by : Karen Fairweather

Download or read book Credit, Consumers and the Law written by Karen Fairweather and published by Taylor & Francis. This book was released on 2016-10-14 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

The Regulation of Consumer Credit

Author : Sarah Brown
Publisher : Edward Elgar Publishing
ISBN 13 : 1784712493
Total Pages : 256 pages
Book Rating : 4.7/5 (847 download)

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Book Synopsis The Regulation of Consumer Credit by : Sarah Brown

Download or read book The Regulation of Consumer Credit written by Sarah Brown and published by Edward Elgar Publishing. This book was released on 2019 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: This incisive book gives a comprehensive overview of the regulation of consumer credit in both the US and the UK. It covers policy, procedure and the dynamics of the consumer credit relationship to advocate for a balanced approach in achieving more effective consumer protection.

European Insolvency Law

Author : Gerard McCormack
Publisher : Edward Elgar Publishing
ISBN 13 : 1786433311
Total Pages : 512 pages
Book Rating : 4.7/5 (864 download)

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Book Synopsis European Insolvency Law by : Gerard McCormack

Download or read book European Insolvency Law written by Gerard McCormack and published by Edward Elgar Publishing. This book was released on 2017-01-27 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt: Critically analysing the substantive law of insolvency in the EU countries as a whole, this book carries out horizontal cross-cutting analysis of the data gathered from a study of national insolvency laws. It selects particular areas for detailed discussion and considers the pros and cons of particular legislative solutions.

The Financial Crisis Inquiry Report

Author : Financial Crisis Inquiry Commission
Publisher : Cosimo, Inc.
ISBN 13 : 1616405414
Total Pages : 692 pages
Book Rating : 4.6/5 (164 download)

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Book Synopsis The Financial Crisis Inquiry Report by : Financial Crisis Inquiry Commission

Download or read book The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and published by Cosimo, Inc.. This book was released on 2011-05-01 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.

The Financialisation of the Citizen

Author : Guido Comparato
Publisher : Bloomsbury Publishing
ISBN 13 : 1509919244
Total Pages : 366 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis The Financialisation of the Citizen by : Guido Comparato

Download or read book The Financialisation of the Citizen written by Guido Comparato and published by Bloomsbury Publishing. This book was released on 2018-08-23 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, over indebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules.

Consumer Vulnerability and Welfare in Mortgage Contracts

Author : Irina Domurath
Publisher : Bloomsbury Publishing
ISBN 13 : 1509913408
Total Pages : 224 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Consumer Vulnerability and Welfare in Mortgage Contracts by : Irina Domurath

Download or read book Consumer Vulnerability and Welfare in Mortgage Contracts written by Irina Domurath and published by Bloomsbury Publishing. This book was released on 2017-11-30 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book advocates a new way of thinking about mortgage contracts. This claim is based on the assumption that we currently live in a political economy in which consumer debt fulfils a social function. In the field of housing this is evidenced by the expansion of mortgage credit through which consumers are to purchase residential property as a means of social inclusion and personal welfare. It is suggested that contract law needs to adjust to this new social function in order to avoid welfare losses in terms of default, over-indebtedness, and possibly eviction. To this end, this book analyses theoretical contract law frameworks and makes concrete proposals for contract law in the EU legal order.

Personal Insolvency in the 21st Century

Author : Iain Ramsay
Publisher : Bloomsbury Publishing
ISBN 13 : 1509900985
Total Pages : 224 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Personal Insolvency in the 21st Century by : Iain Ramsay

Download or read book Personal Insolvency in the 21st Century written by Iain Ramsay and published by Bloomsbury Publishing. This book was released on 2017-05-04 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since 1979 the world has witnessed a remarkable cycle of personal insolvency law reform. Changes in capitalist economies, financial crises and political interest groups all contributed to this cycle of reform. This book examines the role of interest groups and distinct narratives in shaping reform in different countries while drawing attention to the role of timing, path dependency and unintended consequences in the development of personal insolvency law. The book presents case studies of personal insolvency law in the US, France, Sweden, and England and Wales. It then analyses how, following the Great Recession of 2008, international financial institutions paid greater attention to the significance of household debt in contributing to financial instability and the role of individual insolvency law in providing a fresh start. Personal insolvency law reform became part of EU responses to the eurozone crisis and the EU has proposed harmonisation of individual insolvency law to promote entrepreneurialism. This book examines the extent to which these developments represent an emerging international commonsense about personal insolvency and its relationship to neo-liberalism. Finally, this book discusses whether the international emergence of individual personal insolvency law represents a progressive step or a band-aid for the costs of neo-liberal policies, where a significant number of people live close to the precipice of over-indebtedness.

Risk and EU law

Author : Hans-W. Micklitz
Publisher : Edward Elgar Publishing
ISBN 13 : 1783470941
Total Pages : 272 pages
Book Rating : 4.7/5 (834 download)

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Book Synopsis Risk and EU law by : Hans-W. Micklitz

Download or read book Risk and EU law written by Hans-W. Micklitz and published by Edward Elgar Publishing. This book was released on 2015-09-25 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Risk and EU Law considers the multiple reasons for the increase in the types and diversity of risks, as well as the potential magnitude of their undesirable effects. The book identifies such reasons as; the openness of liberal societies; market competition; the constant endeavour to innovate; as well as globalization and the impact of new technologies. It also explores topics surrounding the social epistemology of risk observation and management, the role of science in political and judicial decision-making and transnational risk regulation and contractual governance.

The Politics of Consumer Credit in the UK, 1938-1992

Author : Stuart Aveyard
Publisher : Oxford University Press
ISBN 13 : 0191046108
Total Pages : 224 pages
Book Rating : 4.1/5 (91 download)

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Book Synopsis The Politics of Consumer Credit in the UK, 1938-1992 by : Stuart Aveyard

Download or read book The Politics of Consumer Credit in the UK, 1938-1992 written by Stuart Aveyard and published by Oxford University Press. This book was released on 2018-08-30 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: As early as the 1930s, Britain had a highly innovative and profitable mortgage sector that promoted a major extension in home ownership. These controversial and risky offerings had an equivalent in numerous hire purchase agreements, with which new homes were furnished. Such developments were forerunners of the 'easy credit' regime more commonly associated with the 1980s. Taking a long-term perspective on this issue indicates that Britain's departure from European models of consumer credit markets was not simply a by-product of neoliberalism's influence on the Thatcher administration, and this book offers a much fuller explanation to the phenomenon. It explores debates within and between the major political parties; reveals the infighting amongst civil service departments over management of consumer demand; charts the varying degrees of influence wielded by the Bank of England and finance capital, as opposed to that of consumer durable manufacturers; reviews the perspectives of consumers and their representatives; and explains the role of contingency and path dependency in these historical events. The central focus of this book is on consumer credit, but this subject provides a case study through which to explore numerous other important areas of British history. These include debates on the issues of post-war consensus, the impact of rising home ownership and its impact on consumer credit and personal finance markets, the management of consumer society, political responses to affluence, the development of consumer protection policy, and the influence of neoliberalism.

Microfinance, Debt and Over-Indebtedness

Author : Isabelle Guérin
Publisher : Routledge
ISBN 13 : 1135047596
Total Pages : 337 pages
Book Rating : 4.1/5 (35 download)

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Book Synopsis Microfinance, Debt and Over-Indebtedness by : Isabelle Guérin

Download or read book Microfinance, Debt and Over-Indebtedness written by Isabelle Guérin and published by Routledge. This book was released on 2013-10-15 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although microcredit programmes have long been considered efficient development tools, many forms of debt-induced distress have emerged in their wake. This has brought to light the problem of over-indebtedness, a topic which has been previously underexplored in the literature. This new book, from a group of leading scholars, explores the manifestations, scale, and economic and social implications of household over-indebtedness in areas conventionally considered as financially excluded. The book approaches debt not only as a financial transaction, but also as a form of social bond, and offers a socioeconomic analysis of over-indebtedness. The volume puts forward a broad definition of over-indebtedness, highlighting its situational and semantic complexity and diversity. It provides a close analysis of local conceptions of debt and over-indebtedness, highlighting frameworks of calculation and the constant renegotiation of their boundaries. On top of this, it looks far beyond microcredit to examine all the financial practices that individuals juggle. The volume argues that over-indebtedness has more to do with social inequalities than financial illiteracy, and should therefore be understood in the light of global trends of financialization. It also reveals the ambiguity of "financial inclusion" policies, and in many respects questions the actions of new credit providers. This book will be valuable reading for students, researchers and policy makers interested in microfinance and development issues.

Research Handbook on EU Consumer and Contract Law

Author : Christian Twigg-Flesner
Publisher : Edward Elgar Publishing
ISBN 13 : 1782547371
Total Pages : 608 pages
Book Rating : 4.7/5 (825 download)

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Book Synopsis Research Handbook on EU Consumer and Contract Law by : Christian Twigg-Flesner

Download or read book Research Handbook on EU Consumer and Contract Law written by Christian Twigg-Flesner and published by Edward Elgar Publishing. This book was released on 2016-09-30 with total page 608 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research Handbook on EU Consumer and Contract Law takes stock of the evolution of this fascinating area of private law to date and identifies key themes for the future development of the law and research agendas. The Handbook is divided into three parts: