Consumer Credit, Debt and Investment in Europe

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 reforme du credit a 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.