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Consumer Credit Law and Practice - A Guide

Autor Dennis Rosenthal Contribuţii de Mr Robert Rosenberg
en Limba Engleză Hardback – 22 noi 2023
"This new edition of Consumer Credit Law and Practice - A Guide.is an essential tool for practitioners and scholars working in this field and I recommend it highly." From the Foreword by Roy GoodeAn easily accessible guide covering all aspects of consumer credit, consumer hire and ancillary credit businesses, this title is the most useful and comprehensive single volume work on consumer credit law and practice, and related subjects. Written in a clear and penetrating style, the new Sixth Edition has been extensively updated since 2018 and takes account of all relevant case law, legislative changes and developments and includes coverage of:- the impact of the UK's departure from the European Union- extended analysis of the scheme of regulation under FSMA- the Financial Services and Markets Act 2023- FCA developments, including the senior managers regime and the consumer credit sourcebook - the financial promotions regime- validation of credit agreements- mortgage contracts and P2P agreements- expanded analysis of dispute resolution and the role of FOS- the new Consumer Duty and the overlay with TCF (treating customers fairly)It is essential reading for: banking and commercial law practitioners; in-house lawyers; companies operating in consumer credit related industries, including banks and building societies, credit card companies, finance and leasing companies; compliance officers and personnel; and consumer advisers.
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Specificații

ISBN-13: 9781526524775
ISBN-10: 1526524775
Pagini: 608
Dimensiuni: 156 x 248 x 25 mm
Greutate: 1.16 kg
Ediția:6
Editura: Bloomsbury Publishing
Colecția Bloomsbury Professional
Locul publicării:London, United Kingdom

Caracteristici

Chapters covering Financial Conduct Authority (FCA) requirements and procedures relating to authorisation and permission, treating customers fairly, supervision and reporting, and alternative dispute resolution - contributed by Robert Rosenberg, Technical Specialist/Consumer Credit Policy Supervision, Policy & Competition - Consumers & Competition, FCA

Notă biografică

Dennis Rosenthal, of Gray's Inn, Barrister, a leading consumer credit lawyer who has advised banks, building societies, finance and other companies, credit card issuers, lawyers, trade associations and fraud prevention organisations, both in his capacity as a solicitor and a barrister; a long-time editor of Goode: Consumer Credit Law and Practice and Goode: Consumer Credit Reports.Robert Rosenberg, of Gray's Inn, Barrister, a leading regulatory expert who has worked for government departments, the FCA, leading law firms, and businesses, advising on a wide range of consumer credit matters.

Cuprins

1. Development of United Kingdom consumer credit law 2. The general structure of the regulation of consumer credit agreements and consumer hire agreements3. Consumer credit and consumer hire4. Types of credit and credit agreements5. Hire agreements6. Exempt agreements7. Multiple agreements; modifying agreements; novation, variation and assignment of agreements8. The regulated agreement, pre-contract information and disclosure9. Contract terms10. Duties of creditor/owner and rights of debtor/hirer, prior to, during and after entry a regulated agreement11. Post-contract Information12. Linked transactions13. Credit brokers 14. Agency15. The supplier and related supplies16. Ancillary credit businesses17. Credit cards and other payment cards18. Security (including mortgages)19: The total charge for credit and APR20. Advertising and promoting credit and hire facilities and ancillary credit business21. Creditworthiness requirements22. Discrete consumer credit agreements23. Electronic communications24. Unfair relationships25. Enforcement, dispute resolution, damages claims and validation orders26. Fraud, money laundering, criminal offences and civil penalties27. Data protection28. Funding and outsourcing29. Miscellaneous accounting and tax aspects30. The overall scheme of regulation by the FCA31. The FCA Senior Managers and Certification regime32. The consumer duty33: FCA supervision, regulatory reporting and enforcement34. Alternative dispute resolution35. The European Community context36. Concluding reflections

Recenzii

There is a great need for a work which reduces the mass of case law and regulation covered in encyclopaedic works into a clear, concise and readable form which steers a way through the labyrinth. This is just such a book...
It's the best guide I have seen so recommended.
Consumer Credit Law and Practice - A Guide achieves its aim of providing a clear explanation of consumer credit law with considerable ease. It provides an excellent account of the legislative framework and is written in a logical and engaging way...it remains an ideal text for anyone studying, practising or interested in this fascinating area of law.