Changing Consumer Law in the United Kingdom after Brexit?

Dr. Katharina Steinbrück

doi:10.5771/9783748926559

Summary

The extensive elimination of binding force of EU law in the area of consumer law opens up new regulatory opportunities for the UK legislator. This work addresses the question whether regulation of consumer credit and regarding unfair terms in consumer contracts which have been shaped by EU law should be retained or amended. A historical analysis answers the question as to which extent EU law has been shaped and received by the UK in the past. Based on a comprehensive comparative approach, the analysis also reveals whether alternative models of European cooperation offer more regulatory freedom and whether the (non-) implementation of consumer law could serve as a model for new regulation in the UK.

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Bibliographic data

Copyright year: 2021
ISBN-Print: 978-3-8487-8233-8
ISBN-Online: 978-3-7489-2655-9
Publisher: Nomos, Baden-Baden
Language: English
Pages: 428
Product type: Book Titles

Titelei/Inhaltsverzeichnis No access Pages 1 - 22
1. Chapter 1: Introduction No access
2. 1. 1. I. Choice of Legal Systems to be compared No access
    2. 1. 1. Presumption of Similarity No access
      2. 2. Critique No access
      3. 3. A “Middle Way” No access
      4. 4. Methodology of this Dissertation No access
  2. 1. I. ‘Classic’ Law and Economics: The Chicago School No access
    2. II. New Institutional Economics No access
    3. III. Behavioural Economics No access
    4. 1. 1. Consumer Images No access
      2. 2. Consumer Credit No access
      3. 3. Unfair Terms in Consumer Contracts No access
3. 1. 1. I. Society and Traditions No access
    2. 1. 1. Common Law and Equity No access
      2. 2. Statutes No access
      3. 3. European Law No access
  2. 1. I. German Society No access
    2. 1. 1. Institutions and Drafting Method No access
      2. 2. Interpretation of Norms No access
      3. 3. Access to Justice and Alternative Dispute Resolution No access
    3. III. Comparability No access
  3. 1. I. Norwegian Society No access
    2. 1. 1. Institutions and Drafting Method No access
      2. 2. Scandinavian Legal Realism No access
      3. 3. Interpretation of Norms No access
      4. 4. Alternative Dispute Resolution No access
    3. 1. 1. EFTA No access
      2. 2. EEA No access
      3. 3. Conclusion No access
    4. IV. Comparability No access
  4. 1. I. Swiss Society No access
    2. 1. 1. Institutions and Drafting Method No access
      2. 2. Interpretation of Norms No access
      3. 3. Access to Justice and Alternative Dispute Resolution No access
    3. 1. 1. EFTA No access
      2. a. Implementation of European Norms No access
        b. Role and Application by the Courts No access
      3. 3. Europeanisation without Membership? No access
      4. 4. Conclusion No access
    4. IV. Comparability No access
1. 1. A. Consumer Protection Regulation: Rationale and European Developments No access
  2. 1. I. Rationale behind European Consumer Credit Regulation No access
    2. 1. 1. Directive 87/102/EEC (The First Consumer Credit Directive) No access
      2. 2. Directive 2008/48/EC (The Second Consumer Credit Directive) No access
      3. 3. Further Directives which affect Consumer Credit Regulation No access
2. 1. 1. I. Common Law No access
    2. II. Legislative Action No access
  2. 1. 1. 1. Early Legislation on Hire-Purchase, Pawnbroking and Moneylending No access
      2. 2. The ‘Crowther Report’ No access
      3. 3. The Consumer Credit Act 1974 No access
    2. 1. 1. Consumer Credit Directives and Consumer Credit Act 2006 No access
      2. 2. Other Legislation No access
      3. a. The Courts No access
        b. The Financial Ombudsman Service No access
      4. 4. Practical Effects No access
    3. III. Consumer Image No access
    4. IV. Interim Conclusion: Consumer Credit Legislation No access
3. 1. A. History of Consumer Credit Legislation in Germany No access
  2. B. Impact of European Consumer Credit Directives No access
  3. 1. I. Court Practice No access
    2. II. Alternative Dispute Resolution No access
  4. D. Practical Effects No access
  5. E. Consumer Image No access
  6. F. Interim Conclusion No access
  7. G. Comparative Analysis No access
4. 1. A. History of Consumer Credit (Legislation) in Norway No access
  2. B. Impact of the Consumer Credit Directive 2008/48/EC and Norwegian Consumer Credit Legislation Today No access
  3. C. Consumer Credit Adjudication No access
  4. D. Practical Effects No access
  5. E. Consumer Image No access
  6. F. Interim Conclusion No access
  7. G. Comparative Analysis No access
5. 1. A. History of Consumer Credit (Legislation) in Switzerland No access
  2. B. Impact of European Consumer Credit Directives No access
  3. C. Consumer Credit Adjudication No access
  4. D. Practical Effects No access
  5. E. Consumer Image No access
  6. F. Interim Conclusion No access
  7. G. Comparative Analysis No access
1. 1. A. Rationale behind the European Regulation of Unfair Terms in Consumer Contracts No access
  2. 1. 1. 1. in concreto No access
      2. 2. in abstracto No access
    2. II. Further Directives which affect the Regulation of Unfair Terms in Consumer Contracts No access
    3. III. ‘A New Deal for Consumers’ No access
2. 1. 1. I. Common Law Contract Term Construction No access
    2. 1. 1. Before the Unfair Contract Terms Act 1977 No access
      2. 2. The Unfair Contract Terms Act 1977 No access
  2. 1. 1. 1. Unfair Terms in Consumer Contracts Regulations No access
      2. 2. Good Faith in English Contract Law? No access
      3. 3. Consumer Rights Act 2015 No access
    2. 1. 1. The Courts No access
      2. 2. The CMA (formerly OFT) No access
  3. C. Consumer Image No access
  4. D. Interim Conclusion No access
3. 1. A. History of Unfair Terms (in Consumer Contracts) in Germany No access
  2. B. Legal Framework Today No access
  3. 1. I. Consumer Organisations No access
    2. II. Public Administration No access
  4. D. Unfair Terms in Consumer Contracts in Court Practice No access
  5. E. Consumer Image No access
  6. F. Interim Conclusion No access
  7. G. Comparative Analysis No access
4. 1. A. History of Unfair Terms (in Consumer Contracts) in Norway No access
  2. B. Legal Framework Today No access
  3. C. Abstract Control Mechanisms relating to Unfair Terms in Consumer Contracts No access
  4. 1. I. Administration No access
    2. 1. 1. The Courts No access
      2. 2. The Tribunals No access
  5. E. Consumer Image No access
  6. F. Interim Conclusion No access
  7. G. Comparative Analysis No access
5. 1. 1. I. Law of Obligations No access
    2. II. Law on Unfair Trading Practices No access
  2. 1. I. Geltungskontrolle No access
    2. II. Auslegungskontrolle No access
    3. III. (offene) Inhaltskontrolle No access
  3. 1. I. Consumer Organisations No access
    2. II. The Swiss Federal Government No access
    3. III. Further Abstract Term Control No access
  4. D. Unfair Terms in Consumer Contracts in Court Practice No access
  5. E. Consumer Image No access
  6. F. Interim Conclusion No access
  7. G. Comparative Analysis No access
1. 1. A. Foreign European Law? No access
  2. 1. I. The Norwegian Model No access
    2. II. The Swiss Model No access
    3. III. The Trade and Cooperation Agreement No access
2. 1. A. Consumer Credit Regulation No access
  2. B. Regulation of Unfair Terms in Consumer Contracts No access
Annex 1 OECD Figures on GDP per Capita and Trust Rates No access Pages 367 - 370
1. OECD Data on Disposable Income and Household Debt No access
2. Default, Repayment Problems, Debt (Collection) Proceedings, Over-indebtedness and Individual Insolvencies No access
Bibliography No access Pages 381 - 428