Changing Consumer Law in the United Kingdom after Brexit?

A Study in Laws governing Consumer Credit and Unfair Terms in Consumer Contracts in the United Kingdom, Germany, Norway and Switzerland
 
 
Nomos (Verlag)
  • 1. Auflage
  • |
  • erschienen am 14. Juni 2021
  • |
  • 428 Seiten
 
E-Book | PDF mit Adobe-DRM | Systemvoraussetzungen
978-3-7489-2655-9 (ISBN)
 
Dem britischen Gesetzgeber eröffnen sich durch den weitgehenden Wegfall von Bindung an EU-Recht im Verbraucherrecht neue regulatorische Möglichkeiten. Dieses Werk widmet sich der Frage, ob Normen des bisher von der EU bestimmten Verbraucherkredit- und AGB-Rechts beibehalten oder geändert werden sollten. Eine historische Analyse beantwortet die Frage, inwieweit EU-Recht in der Vergangenheit durch das Vereinigte Königreich gestaltet und rezipiert wurde. Auf Grundlage einer umfassenden rechtsvergleichenden Betrachtung wird zudem analysiert, ob alternative europäische Kooperationsmodelle mehr regulatorischen Freiraum bieten und die (Nicht-) Umsetzung von Verbraucherrecht als Vorbild für neue Regulierung im Vereinigten Königreich dienen könnte.
weitere Ausgaben werden ermittelt
  • Cover
  • Part I: Basis of the Research
  • Chapter 1: Introduction
  • Chapter 2: Methodology
  • A. Comparative Analysis
  • I. Choice of Legal Systems to be compared
  • II. Methodology
  • 1. Presumption of Similarity
  • 2. Critique
  • 3. A "Middle Way"
  • 4. Methodology of this Dissertation
  • B. Economic Analysis
  • I. 'Classic' Law and Economics: The Chicago School
  • II. New Institutional Economics
  • III. Behavioural Economics
  • IV. Methodology of this Dissertation
  • 1. Consumer Images
  • 2. Consumer Credit
  • 3. Unfair Terms in Consumer Contracts
  • Chapter 3: Comparative Basis
  • A. United Kingdom
  • I. Society and Traditions
  • II. Sources of (Private) Law
  • 1. Common Law and Equity
  • 2. Statutes
  • 3. European Law
  • B. Germany
  • I. German Society
  • II. German Legal Institutions, Drafting and Method
  • 1. Institutions and Drafting Method
  • 2. Interpretation of Norms
  • 3. Access to Justice and Alternative Dispute Resolution
  • III. Comparability
  • C. Norway
  • I. Norwegian Society
  • II. Norwegian Legal Institutions, Drafting and Method
  • 1. Institutions and Drafting Method
  • 2. Scandinavian Legal Realism
  • 3. Interpretation of Norms
  • 4. Alternative Dispute Resolution
  • III. The "Norwegian Model" (EEA-Membership)
  • 1. EFTA
  • 2. EEA
  • 3. Conclusion
  • IV. Comparability
  • D. Switzerland
  • I. Swiss Society
  • II. Swiss Legal Institutions, Drafting and Method
  • 1. Institutions and Drafting Method
  • 2. Interpretation of Norms
  • 3. Access to Justice and Alternative Dispute Resolution
  • III. The "Swiss Model" (Bilateral Agreements)
  • 1. EFTA
  • 2. Agreements with the European Union
  • a. Implementation of European Norms
  • b. Role and Application by the Courts
  • 3. Europeanisation without Membership?
  • 4. Conclusion
  • IV. Comparability
  • Part II: Consumer Credit Status Quo
  • Chapter 4: European Legislation on Consumer Credit
  • A. Consumer Protection Regulation: Rationale and European Developments
  • B. Consumer Credit Regulation
  • I. Rationale behind European Consumer Credit Regulation
  • II. Legislative Developments
  • 1. Directive 87/102/EEC (The First Consumer Credit Directive)
  • 2. Directive 2008/48/EC (The Second Consumer Credit Directive)
  • 3. Further Directives which affect Consumer Credit Regulation
  • Chapter 5: Consumer Credit in the United Kingdom
  • A. General Developments under English Law
  • I. Common Law
  • II. Legislative Action
  • B. Consumer Credit Legislation
  • I. Consumer Credit Legislation before 1986
  • 1. Early Legislation on Hire-Purchase, Pawnbroking and Moneylending
  • 2. The 'Crowther Report'
  • 3. The Consumer Credit Act 1974
  • II. Consumer Credit Legislation after 1986
  • 1. Consumer Credit Directives and Consumer Credit Act 2006
  • 2. Other Legislation
  • 3. Adjudication of Consumer Credit Legislation
  • a. The Courts
  • b. The Financial Ombudsman Service
  • 4. Practical Effects
  • III. Consumer Image
  • IV. Interim Conclusion: Consumer Credit Legislation
  • Chapter 6: Consumer Credit in Germany
  • A. History of Consumer Credit Legislation in Germany
  • B. Impact of European Consumer Credit Directives
  • C. Consumer Credit Adjudication
  • I. Court Practice
  • II. Alternative Dispute Resolution
  • D. Practical Effects
  • E. Consumer Image
  • F. Interim Conclusion
  • G. Comparative Analysis
  • Chapter 7: Consumer Credit in Norway
  • A. History of Consumer Credit (Legislation) in Norway
  • B. Impact of the Consumer Credit Directive 2008/48/EC and Norwegian Consumer Credit Legislation Today
  • C. Consumer Credit Adjudication
  • D. Practical Effects
  • E. Consumer Image
  • F. Interim Conclusion
  • G. Comparative Analysis
  • Chapter 8: Consumer Credit in Switzerland
  • A. History of Consumer Credit (Legislation) in Switzerland
  • B. Impact of European Consumer Credit Directives
  • C. Consumer Credit Adjudication
  • D. Practical Effects
  • E. Consumer Image
  • F. Interim Conclusion
  • G. Comparative Analysis
  • Part III: Unfair Terms in Consumer Contracts Status Quo
  • Chapter 9: European Legislation on Unfair Terms in Consumer Contracts
  • A. Rationale behind the European Regulation of Unfair Terms in Consumer Contracts
  • B. Legislative Developments
  • I. The Unfair Contract Terms Directive
  • 1. in concreto
  • 2. in abstracto
  • II. Further Directives which affect the Regulation of Unfair Terms in Consumer Contracts
  • III. 'A New Deal for Consumers'
  • Chapter 10: Unfair Terms in Consumer Contracts in the United Kingdom
  • A. Unfair Contract Terms before 1993
  • I. Common Law Contract Term Construction
  • II. Exemption Clauses and Introduction of the Unfair Contract Terms Act 1977
  • 1. Before the Unfair Contract Terms Act 1977
  • 2. The Unfair Contract Terms Act 1977
  • B. Unfair Terms Legislation after 1993
  • I. Impact of European Legislation on English Legislation on Unfair Terms
  • 1. Unfair Terms in Consumer Contracts Regulations
  • 2. Good Faith in English Contract Law?
  • 3. Consumer Rights Act 2015
  • II. Adjudication of Unfair Terms (in Consumer Contracts) Legislation
  • 1. The Courts
  • 2. The CMA (formerly OFT)
  • C. Consumer Image
  • D. Interim Conclusion
  • Chapter 11: Unfair Terms in Consumer Contracts in Germany
  • A. History of Unfair Terms (in Consumer Contracts) in Germany
  • B. Legal Framework Today
  • C. Abstract Control Mechanisms relating to Unfair Terms in Consumer Contracts
  • I. Consumer Organisations
  • II. Public Administration
  • D. Unfair Terms in Consumer Contracts in Court Practice
  • E. Consumer Image
  • F. Interim Conclusion
  • G. Comparative Analysis
  • Chapter 12: Unfair Terms in Consumer Contracts in Norway
  • A. History of Unfair Terms (in Consumer Contracts) in Norway
  • B. Legal Framework Today
  • C. Abstract Control Mechanisms relating to Unfair Terms in Consumer Contracts
  • D. Unfair Terms in Consumer Contracts in Court Practice
  • I. Administration
  • II. Adjudication
  • 1. The Courts
  • 2. The Tribunals
  • E. Consumer Image
  • F. Interim Conclusion
  • G. Comparative Analysis
  • Chapter 13: Unfair Terms in Consumer Contracts in Switzerland
  • A. History and Overview of Unfair Terms (in Consumer Contracts) in Switzerland
  • I. Law of Obligations
  • II. Law on Unfair Trading Practices
  • B. Legal Framework Today
  • I. Geltungskontrolle
  • II. Auslegungskontrolle
  • III. (offene) Inhaltskontrolle
  • C. Abstract Control Mechanisms relating to Unfair Terms in Consumer Contracts
  • I. Consumer Organisations
  • II. The Swiss Federal Government
  • III. Further Abstract Term Control
  • D. Unfair Terms in Consumer Contracts in Court Practice
  • E. Consumer Image
  • F. Interim Conclusion
  • G. Comparative Analysis
  • Part IV: Conclusions - New found Freedom for the UK?
  • Chapter 14: New European Models?
  • A. Foreign European Law?
  • B. (Inspiration for) Future European Cooperation
  • I. The Norwegian Model
  • II. The Swiss Model
  • III. The Trade and Cooperation Agreement
  • Chapter 15: Amending Consumer Legislation?
  • A. Consumer Credit Regulation
  • B. Regulation of Unfair Terms in Consumer Contracts
  • Annex 1 OECD Figures on GDP per Capita and Trust Rates
  • Annex 2 Statistics relating to Consumer Credit
  • OECD Data on Disposable Income and Household Debt
  • Default, Repayment Problems, Debt (Collection) Proceedings, Over-indebtedness and Individual Insolvencies
  • Bibliography

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