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por Autor:
União Europeia. -- Comissão Europeia. -- Financial Services User Group
por Título:
Responsible consumer...
Responsible consumer credit lending : FSUG opinion and recommendations for the review of the Consumer Credit Directive
AUTOR(ES):
União Europeia. Comissão Europeia. Financial Services User Group
PUBLICACAO:
Brussels : Financial Services User Group (FSUG), 2019
NOTA:
Título retirado do ecrã de título
Requisitos do sistema: Adobe Acrobat Reader
RESUMO:
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]
ASSUNTOS:
União Europeia
;
crédito ao consumo
;
proteção do consumidor
;
crédito imobiliário
;
direito do consumo
AREA:
24 (16) INSTITUIÇÕES FINANCEIRAS E CRÉDITO
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