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Iain Ramsay

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Iain Ramsay

Consumer credit, its role and regulation, has become a hot topic since the Great Recession of 2008. This chapter outlines an emerging international consensus on the regulation of credit markets and examines critically central aspects of this consensus: appropriate supervision of credit markets through regulatory agencies; the promotion of financial inclusion and access to credit at a reasonable cost; mandatory information disclosure; responsible lending; the facilitation of credit information through credit reference agencies; and financial literacy. It also examines the more controversial issue of price controls and concludes by analysing the role of payment intermediaries in providing redress in transnational purchases.

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Geraint Howells, Iain Ramsay and Thomas Wilhelmsson

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Edited by Geraint Howells, Iain Ramsay and Thomas Wilhelmsson

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Geraint Howells, Iain Ramsay and Thomas Wilhelmsson

This introduction explains why the handbook is needed. It discusses the scope of consumer law and provides an overview of its historical development and theoretical rationales. It also considers to what extent there is an international consumer law.

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Edited by Geraint Howells, Iain Ramsay and Thomas Wilhelmsson

Consumer law and policy continues to be of great concern to both national and international regulatory bodies, and the second edition of the Handbook of Research on International Consumer Law provides an updated international and comparative analysis of the central legal and policy issues, in both developed and developing economies.
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Edited by Geraint Howells, Iain Ramsay, Thomas Wihelmsson and David Kraft

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Edited by Geraint Howells, Iain Ramsay, Thomas Wihelmsson and David Kraft

Consumer law and policy has emerged in the last half-century as a major policy concern for all nations. This Handbook of original contributions provides an international and comparative analysis of central issues in consumer law and policy in developed and developing economies.