Credit, consumers and the law : after the global storm

ContentsAcknowledgements Contributors Table of Cases Table of Legislation Part 1- Issues and Themes1. Consumer Law: Paternalism, Fragmentation, and Centralised Enforcement Dr Paul O'Shea, Karen Fairweather and Professor Ross GranthamPart 2- Functional Perspectives2. It's for your Own Good: Legal Paternalism and New Zealand Consumer Credit Laws Kate Tokeley3. Credit - Suitable for One or Safe for Everyone? Professor Gail Pearson 4. Responsible Lending: Consumer Protection and Prudential Regulation Perspectives Dr Onyeka Osuji5. Can Consumer Law Solve the Problem of Complexity in US Consumer Credit Products? Professor Kathleen EngelPart 3 - Responsible Lending and Financial Exclusion 6. Making Payday Loans Safer: the Australian Approach to Regulating Small and Medium Sized Loans Nicola Howell7. High Cost Credit in the United Kingdom: A Philosophical Justification for Government Intervention Jodi Gardner8. Apples and Oranges? Responsible Mortgage Lending in the UK and Australia Karen Fairweather9. Sorting the Sheep from the Wolves in Sheep's Clothing: Defining Community Development Finance Institutions as Distinct from Fringe Lenders in Efforts to Address Financial Exclusion Dr Therese WilsonPart 4 - Unfair Contract Terms10. Unfair Contract Terms Legislation: Is it Good Consumer Law? Dr Paul O'Shea11. The Fragility of Unfair Terms Law on Bank Charges: Towards a Complex Re-Litigation in the UK? Professor Mel Kenny and Professor James Devenney 12. The Regulation of Unfair Terms in Non-Professional Suretyship Agreements: Lessons for the Wider European Union Harmonization Agenda Professor James Devenney and Professor Mel KennyIndex