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Responsible consumer credit lending : FSUG opinion and recommendations for the review of the Consumer Credit Directive

União Europeia. Comissão Europeia. Financial Services User Group

Brussels : Financial Services User Group (FSUG), 2019

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Since the introduction of the EU Consumer Credit Directive more than 10 years ago, important developments have taken place in Europe, such as a major financial and economic crisis which resulted in high unemployment rates and lower household income in many Member States, historically low interest rate environment which gives further incentive to consumers to borrow for consumption, and digitalisation that has led to widespread online distribution of credit as well as the emergence of new business models such as peer-to-peer lending. This paper analyses trends in the EU consumer credit markets and examines major drivers of irresponsible lending that may cause consumer detriment. Those elements include inappropriate product design, misaligned sales incentives, unsolicited credit offers, risks related to online distribution of credit, inadequate creditworthiness assessment by creditors, product cross-selling, lack of a harmonised EU personal bankruptcy scheme, and lack of effective supervision and enforcement by competent authorities. On the basis of that analysis, the FSUG addresses its recommendations to EU policy-makers in view of the upcoming review of the Consumer Credit Directive. The recommendations are aimed at ensuring a well-functioning EU consumer credit market in which creditors and intermediaries act responsibly and treat consumers fairly; and prevention of excessive debt levels and over-indebtedness. [Do autor]

União Europeia; crédito ao consumo; proteção do consumidor; crédito imobiliário; direito do consumo

24 (16) INSTITUIÇÕES FINANCEIRAS E CRÉDITO

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