The paper considers the position of overindebted persons in the national and comparative perspective. A specific focus is dedicated to the interference between credit contracts and responsible lending, with reference to the role of professional creditors (banks and other financial institutions) in setting both the cost of credit and the conditions for repayment. In addition, the experience of the Arbitro Bancario Finanziario-The ADR system in force in Italy-is examined with reference to the topic.
Cerini, D. (2017). Consumer Over-Indebtedness, Credit Contracts and Responsible Lending. GLOBAL JURIST, 17(3), 1-24 [10.1515/gj-2017-0011].
Consumer Over-Indebtedness, Credit Contracts and Responsible Lending
CERINI, DIANA VALENTINA
Primo
2017
Abstract
The paper considers the position of overindebted persons in the national and comparative perspective. A specific focus is dedicated to the interference between credit contracts and responsible lending, with reference to the role of professional creditors (banks and other financial institutions) in setting both the cost of credit and the conditions for repayment. In addition, the experience of the Arbitro Bancario Finanziario-The ADR system in force in Italy-is examined with reference to the topic.
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