Consumer Debt And Social Exclusion In Europe
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Consumer Debt And Social Exclusion In Europe
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Author : Hans-W. Micklitz
language : en
Publisher: Routledge
Release Date : 2016-03-09
Consumer Debt And Social Exclusion In Europe written by Hans-W. Micklitz and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-03-09 with Law categories.
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.
Consumer Debt And Social Exclusion In Europe
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Author : Hans-W. Micklitz
language : en
Publisher: Lund Humphries Publishers
Release Date : 2015-06-01
Consumer Debt And Social Exclusion In Europe written by Hans-W. Micklitz and has been published by Lund Humphries Publishers this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-06-01 with Bankruptcy categories.
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.
Public Welfare Services And Social Exclusion
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Author : Nicholas Deakin
language : en
Publisher: Improvement of Living and Working Conditions
Release Date : 1995
Public Welfare Services And Social Exclusion written by Nicholas Deakin and has been published by Improvement of Living and Working Conditions this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with European Union countries categories.
Consumer Vulnerability And Welfare In Mortgage Contracts
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Author : Irina Domurath
language : en
Publisher: Bloomsbury Publishing
Release Date : 2017-11-30
Consumer Vulnerability And Welfare In Mortgage Contracts written by Irina Domurath and has been published by Bloomsbury Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-11-30 with Law categories.
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.
The Financialisation Of The Citizen
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Author : Guido Comparato
language : en
Publisher: Bloomsbury Publishing
Release Date : 2018-08-23
The Financialisation Of The Citizen written by Guido Comparato and has been published by Bloomsbury Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-08-23 with Law categories.
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.
The Images Of The Consumer In Eu Law
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Author : Dorota Leczykiewicz
language : en
Publisher: Bloomsbury Publishing
Release Date : 2016-01-28
The Images Of The Consumer In Eu Law written by Dorota Leczykiewicz and has been published by Bloomsbury Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-01-28 with Law categories.
This book consists of contributions exploring from different perspectives the 'images' of the consumer in EU law. The images of the consumer form the foundation for various EU policies, more or less directly oriented towards the goal of consumer protection. The purpose of the volume is to establish what visions of the consumer there are in different contexts of EU law, whether they are consistent, and whether EU law's engagement with consumer-related considerations is sincere or merely instrumental to the achievement of other goals. The chapters discuss how consumers should be protected in EU contract, competition, free movement and trade mark law. They reflect on the limits of the consumer empowerment rationale as the basis for EU consumer policy. The chapters look also at the variety of concerns consumers might have, including the cost of goods and services, access to credit, ethical questions of consumption, the challenges of excessive choice and the possibility to influence the content of regulatory measures, and explore the significance of these issues for the EU's legislative and judicial process.
Protecting Financial Consumers In Europe
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Author :
language : en
Publisher: BRILL
Release Date : 2023-02-17
Protecting Financial Consumers In Europe written by and has been published by BRILL this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-02-17 with Law categories.
Protecting Financial Consumers in Europe provides an authoritative account of what is state-of-the-art in the field of contracts relating to selected financial services, and the resolution of disputes arising out of such contracts by ADR bodies in Europe, both at national and EU level.
Discrimination Vulnerable Consumers And Financial Inclusion
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Author : Cătălin-Gabriel Stănescu
language : en
Publisher: Routledge
Release Date : 2020-12-28
Discrimination Vulnerable Consumers And Financial Inclusion written by Cătălin-Gabriel Stănescu and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-12-28 with Business & Economics categories.
This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socioeconomic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures that are capable of tackling these challenges. Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity and freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection with financial services, which tends to solve, but also creates, additional issues for consumers in general, and for vulnerable groups in particular.
The Transformation Of Consumer Law And Policy In Europe
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Author : Hans-W Micklitz
language : en
Publisher: Bloomsbury Publishing
Release Date : 2023-12-14
The Transformation Of Consumer Law And Policy In Europe written by Hans-W Micklitz and has been published by Bloomsbury Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-12-14 with Law categories.
This book analyses the transformation of consumer law and policy in Europe from 4 perspectives: first, the temporal transformation, i.e., changes that can be tracked from the turn of the millennium; secondly, the substantive dimension, i.e., changes in the scope of the rights and remedies provided by consumer law, as well as the underpinning values; thirdly, the institutional dimension, i.e., changes in the role of national courts, national Parliaments, consumer agencies, and consumer organisations; and fourth, the procedural element, i.e., the shift from individual enforcement via courts to enforcement by public regulators, consumer associations, alternative dispute resolution, and the development of collective enforcement exercised by consumer agencies and/or consumer organisations. With contributions by leading consumer law scholars from across Europe, this book is a fascinating account of how consumer law has often been shaped by national as much as European interests.
Social Exclusion Of Youth In Europe
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Author : Marge Unt
language : en
Publisher: Policy Press
Release Date : 2023-01-03
Social Exclusion Of Youth In Europe written by Marge Unt and has been published by Policy Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-01-03 with categories.
EPDF and EPUB available Open Access under CC-BY-NC-ND licence.Policymakers throughout Europe are enacting policies to support youth labour market integration. However, many young people continue to face unemployment, job insecurity, and the subsequent consequences.Adopting a mixed-method and multilevel perspective, this book provides a comprehensive investigation into the multifaceted consequences of social exclusion. Drawing on rich pan-European comparative and quantitative data, and interviews with young people from across Europe, this text gives a platform to the unheard voices of young people.Contributors derive crucial new policy recommendations and offer fresh insights into areas including youth well-being, health, poverty, leaving the parental home, and qualifying for social security.