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Peering Forward, 10 Years After: International Policy and Consumer Credit Regulation

Ramsay, I., Williams, T. (2019) Peering Forward, 10 Years After: International Policy and Consumer Credit Regulation. Journal of Consumer Policy, . ISSN 0168-7034. E-ISSN 1573-0700. (doi:10.1007/s10603-019-09436-x) (KAR id:77009)

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https://dx.doi.org/10.1007/s10603-019-09436-x

Abstract

A key change since the financial crisis of 2008 is the internationalization of interest in consumer finance. International institutions monitor household credit because of its impact on financial stability and market expansion. Macroprudential concerns drove this interest, resulting in a sea change in approaches to consumer credit regulation in many jurisdictions. This article critically analyses the emerging international policy paradigm, contrasting pre-and post-crisis regulatory approaches and highlighting continuing tensions about key policy choices. It then uses two recent sites of contestation, debt adjustment and the regulation of high-cost credit to demostrate the persistence of conflict over the positioning of consumers within an emergent stability focused paradigm of financial consumer protection.

Item Type: Article
DOI/Identification number: 10.1007/s10603-019-09436-x
Uncontrolled keywords: Financial stability, Financial crash, Debt crisis, Consumer credit
Subjects: K Law
Divisions: Divisions > Division for the Study of Law, Society and Social Justice > Kent Law School
Depositing User: Sian Robertson
Date Deposited: 07 Oct 2019 14:34 UTC
Last Modified: 16 Feb 2021 14:07 UTC
Resource URI: https://kar.kent.ac.uk/id/eprint/77009 (The current URI for this page, for reference purposes)
Ramsay, I.: https://orcid.org/0000-0001-8064-0590
Williams, T.: https://orcid.org/0000-0002-2146-7297
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