Analyses personal debt and the over-indebtedness of consumers in the European Union from the multi-disciplinary perspectives of economics, policy, and law.
Analyses personal debt and the over-indebtedness of consumers in the European Union from the multi-disciplinary perspectives of economics, policy, and law.
Federico Ferretti is Associate Professor in Economic Law and Financial Markets, Department of Sociology and Economic Law, University of Bologna (Italy) and a member of the Financial Services User Group of the European Commission. He is a qualified lawyer of the High Courts of Italy.
Inhaltsangabe
1. Introduction 2. Personal debt in the economy 3. The industry of personal debt 4. From indebtedness to over-indebtedness: multidimensional causes and consequences 5. EU policy and law for the prevention and management of over-indebtedness 6. The role and function of solvency data and financial technologies 7. Credit risk analysis and creditworthiness in relation to EU data protection legislation 8. The treatment of over-indebtedness: towards a harmonisation of personal insolvency law in a fragmented EU? 9. Conclusions and scope for further research.
1. Introduction 2. Personal debt in the economy 3. The industry of personal debt 4. From indebtedness to over-indebtedness: multidimensional causes and consequences 5. EU policy and law for the prevention and management of over-indebtedness 6. The role and function of solvency data and financial technologies 7. Credit risk analysis and creditworthiness in relation to EU data protection legislation 8. The treatment of over-indebtedness: towards a harmonisation of personal insolvency law in a fragmented EU? 9. Conclusions and scope for further research.
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