Consumer Credit Law and Practice – A Guide

By: Dennis Rosenthal, Peter J Tyldesley
ISBN: 9781784518363

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About Consumer Credit Law and Practice – A Guide

“A new edition of Dennis Rosenthal’s Consumer Credit Law and Practice – A Guide is always an event to be welcomed by the busy practitioner… In all this welter of regulation, 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... Read more

About Consumer Credit Law and Practice – A Guide

A new edition of Dennis Rosenthal’s Consumer Credit Law and Practice – A Guide is always an event to be welcomed by the busy practitioner… In all this welter of regulation, 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 is to be warmly welcomed.”
From the Foreword by Roy GoodeThe most useful and comprehensive single volume work on the subject of consumer credit.

Consumer Credit Law and Practice – A Guide, Fifth Edition is an easily accessible guide covering all aspects of consumer credit, consumer hire and ancillary credit businesses.

Written in a clear and penetrating style, the new fifth edition has been extensively updated and rewritten to take account of all relevant case law, legislative changes and developments, including:

– coverage of EU Directives relating to alternative dispute resolution, supervision of credit institutions and consumer credit agreements for residential immovable property
– the transfer of licensing from the OFT under CCA 1974 to authorisation and permission by the FCA under FSMA
– the substitution of substantial parts of CCA 1974 and regulations under that Act, by FSMA, regulations under FSMA including RAO, and the FCA Handbook, in particular the Consumer Credit sourcebook (CONC) and the Mortgages and Home Finance Conduct of Business sourcebook (MCOB)
– new chapters on FCA requirements and procedures relating to authorisation and permission, treating customers fairly, supervision and reporting, and alternative dispute resolution
– developments in related areas such as data protection, fraud prevention and anti-money laundering

Consumer Credit Law and Practice – A Guide, Fifth Edition 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 personnel; and consumer advisers.

Table of Contents

Foreword: Roy Goode
Chapter 1: Consumer credit law in context
Chapter 2: The general structure of the regulation of consumer credit agreements and consumer hire agreements
Chapter 3: Consumer credit and consumer hire
Chapter 4: Types of credit and credit agreements
Chapter 5: Hire agreements
Chapter 6: Exempt agreements
Chapter 7: Multiple agreements; modifying agreements; novation, variation and assignment of agreements
Chapter 8: The regulated agreement, pre-contract information and disclosure
Chapter 9: Contract terms
Chapter 10: Duties of creditor or owner and rights of debtor or hirer, prior to and during the lifetime of a regulated agreement
Chapter 11: Post-contract information
Chapter 12: Linked transactions
Chapter 13: Credit brokers
Chapter 14: Agency
Chapter 15: The supplier and related supplies
Chapter 16: Ancillary credit businesses
Chapter 17: Credit cards and other payment cards
Chapter 18: Security (including mortgages)
Chapter 19: The total charge for credit and APR
Chapter 20: Advertising and promoting credit and hire facilities and ancillary credit business
Chapter 21: Credit marketing and responsible lending
Chapter 22: Discrete consumer credit agreements
Chapter 23: Electronic communications
Chapter 24: Unfair relationships
Chapter 25: Enforcement, dispute resolution and damages claims
Chapter 26: Fraud, money laundering, criminal offences and civil penalties
Chapter 27: Data protection
Chapter 28: Funding and outsourcing
Chapter 29: Miscellaneous accounting and tax aspects
Chapter 30: FCA authorisation and permission
Chapter 31: FCA ‘Authorised Persons’ regime
Chapter 32: FCA ‘Treating Customers Fairly’ regime
Chapter 33: FCA supervision and regulatory reporting
Chapter 34: Alternative dispute resolution
Chapter 35: The European Community perspective
Chapter 36: Concluding reflections

Publishing Details

Publication Date: 31 January 2018
ISBN: 9781784518363
Binding: Hardback
Edition: 5

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