An economic analysis of the EU Commission’s proposal for a new consumer credit directive

2004 ◽  
Vol 39 (2) ◽  
pp. 84-96 ◽  
Author(s):  
Wim Kösters ◽  
Stephan Paul ◽  
Stefan Stein
Keyword(s):  
Economic Analysis ◽  
Consumer Credit ◽  
Consumer Credit Directive ◽  
New Consumer ◽  
The Eu

scholarly journals Pre-agreement assessment as a responsible lending tool in South Africa, the EU and Belgium: Part 2

2018 ◽  
Vol 21 ◽  
pp. 1-38
Author(s):  
Corlia Maritha Van Heerden ◽  
Reinhard N/a Steennot
Keyword(s):  
South Africa ◽  
Consumer Credit ◽  
Critical Discussion ◽  
Mortgage Credit ◽  
Responsible Lending ◽  
Agreement Assessment ◽  
Consumer Credit Directive ◽  
Mortgage Credit Directive ◽  
National Credit Act ◽  
The Eu

Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.  

scholarly journals Pre-agreement assessment as a responsible lending tool in South Africa, the EU and Belgium: Part 1

2018 ◽  
Vol 21 ◽  
pp. 1-30
Author(s):  
Corlia Maritha Van Heerden ◽  
Reinhard N/a Stteennot
Keyword(s):  
South Africa ◽  
Consumer Credit ◽  
Critical Discussion ◽  
Mortgage Credit ◽  
Responsible Lending ◽  
Agreement Assessment ◽  
Consumer Credit Directive ◽  
Mortgage Credit Directive ◽  
National Credit Act ◽  
The Eu

Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of “pre-agreement assessment” as a tool to filter out those instances where, based on a consumer’s creditworthiness or ability to repay, credit should not be granted to such consumer, is a feature common to the lending regimes of various jurisdictions.This contribution  consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection.  

What the United States Can Learn from the European Commission's Better Regulation Initiative

2015 ◽  
Vol 6 (3) ◽  
pp. 380-381
Author(s):  
James Broughel
Keyword(s):  
United States ◽  
European Union ◽  
Economic Analysis ◽  
Stakeholder Participation ◽  
Regulatory Reform ◽  
The United States ◽  
Evidence Based ◽  
Leadership Roles ◽  
Better Regulation ◽  
The Eu

In May of 2015, the European Commission released a package outlining the vision for its Better Regulation initiative, a program aimed at improving outcomes of European Union (EU) regulation. The move represents a step forward for regulatory reform in the EU, and signals a potential shift in world leadership roles among countries promoting evidence-based policy. The United States (US), once at the forefront of regulatory science and analysis, may now be lagging behind. If Better Regulation is implemented as its ambitious designers envision, this could signal a new role for the EU in advancing 21st century policymaking.Better Regulation seeks to improve the EU regulatory process in several ways. The initiative allows for more meaningful citizen and stakeholder participation at all stages of the policymaking process; it seeks to institutionalize the use of economic analysis throughout the lifecycle of a policy; and it sets up a process for reviewing the existing stock of regulations to ensure old rules do not become excessively burdensome or obsolete. All this is done in a manner intended to inform legislators as they periodically review funding levels for new and existing programs.

scholarly journals Micro-economic analysis of farm restructuring in Central and Eastern Europe: an overview of major results

2012 ◽  
Vol 48 (No. 5) ◽  
pp. 189-196
Author(s):  
E. Mathijs
Keyword(s):  
Economic Analysis ◽  
Eastern Europe ◽  
Rural Areas ◽  
Central And Eastern Europe ◽  
Family Farms ◽  
The Czech Republic ◽  
Production Sector ◽  
Economic Decisions ◽  
Farm Operators ◽  
The Eu

The aim of this paper is to summarize the results of the EU Phare ACE research project P97-8158-R, “Micro-economic analysis of farm restructuring in Central and Eastern Europe”, that tries to fill the gap of theoretical as well as empirical research into the implications of continuing and evolving farm restructuring in CEECs on the efficiency of the agricultural production sector and the development of rural areas by focusing on the economic decisions and perspectives of farm operators, asset owners and rural households. For this purpose, surveys among family farms and farm enterprises were carried out in 2000 in Albania, the Czech Republic and Slovakia.

Economic analysis of the climate pledges of the Copenhagen Accord for the EU and other major countries

2011 ◽  
Vol 33 ◽  
pp. S34-S40 ◽  
Author(s):  
Bert Saveyn ◽  
Denise Van Regemorter ◽  
Juan Carlos Ciscar
Keyword(s):  
Economic Analysis ◽  
Copenhagen Accord ◽  
The Eu
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