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Ramsay, Iain; Williams, Toni
Languages: English
Types: Unknown
Subjects: LAW
The authors examine the ways in which the credit crunch has simulated both immediate regulatory initiatives and more fundamental reflection on consumer credit regulation, with regulation of consumer credit markets remaining on the policy agenda of many countries. This paper assesses how conventional regulatory assumptions - that reputable firms do not place risky products on the market, that innovation is stifled by regulation and that regulators are not as well placed as the market to judge the value of products - have been challenged by the credit crunch.
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    • 124 Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC Text with EEA relevance.
    • 125 Green Paper on Retail Financial Services in the Single Market Brussels, 30.4.2007 COM(2007) 226
    • 126 See in relation to Carte Bancaire Decision of the Commission 17 X 2007 under article 81 of the Treaty COMP/D1/38606 GROUPEMENT DES CARTES BANCAIRES Bruxelles, le 17 X 2007 C(2007) 5060 final; Press release Antitrust: Commission initiates formal proceedings against Visa Europe Limited ( 26/03/08): Press Release Antitrust: Commission fines Visa €10.2 million for refusing to admit Morgan Stanley as a member 03/10/2007.
    • 127 Directive 2008/48/EC on Credit Agreements for Consumers (2008) O.J. L133/66.
    • 128 Evidence of Dirk Staudenmeyer on behalf of the European Commission to the House of Lords European Union Committee reported in 36th Report of Session 2005-06 Consumer Credit in the European Union: Harmonisation and Consumer Protection Vol. 1 Report HL Paper 201-I at 59.
    • 129 See EU Commission, Towards a Common Operational European Definition of Overindebtedness DG Employment, Social Affairs and Equal Opportunities (2008); Financial services provision and the prevention of financial exclusion Overview Paper March 2007.
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