Handbook of Research on International Consumer Law, Second Edition
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Handbook of Research on International Consumer Law, Second Edition

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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Chapter 13: Regulation of consumer credit

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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