Skip to main content Accessibility help
×
Hostname: page-component-7bb8b95d7b-w7rtg Total loading time: 0 Render date: 2024-09-12T09:22:39.813Z Has data issue: false hasContentIssue false

Bibliography

Published online by Cambridge University Press:  05 April 2019

Federico Ferretti
Affiliation:
Università di Bologna
Daniela Vandone
Affiliation:
University of Milan
Get access

Summary

Image of the first page of this content. For PDF version, please use the ‘Save PDF’ preceeding this image.'
Type
Chapter
Information
Personal Debt in Europe
The EU Financial Market and Consumer Insolvency
, pp. 225 - 244
Publisher: Cambridge University Press
Print publication year: 2019

Access options

Get access to the full version of this content by using one of the access options below. (Log in options will check for institutional or personal access. Content may require purchase if you do not have access.)

References

Abdou, H. and Pointon, J. (2011) ‘Credit scoring, statistical techniques and evaluation criteria: A review of the literature’, 18 Intelligent Systems in Accounting, Finance & Management, 5988Google Scholar
ACCIS (2013) ACCIS Response to Financial Services User Group (FSUG) Position Paper on the London Economics Study on Means to Protect Consumers in Financial Difficulty (October), at www.accis.eu/uploads/media/ACCIS_Response_to_FSUG_Position_Paper_October_2013.pdfGoogle Scholar
ACCIS (2015a) ACCIS 2015 Survey of Members – An Analysis of Credit Reporting in Europe (November)Google Scholar
ACCIS (2015b) Response to the Proposal for a General Data Protection Regulation – Perspective of Credit Reporting Agencies (16 November), at www.accis.eu/fileadmin/filestore/position_papers/ACCIS_Position_Paper_16_November_2015.pdfGoogle Scholar
ACCIS (2016) ACCIS Response to the FSUG Position Paper on Assessing the Impact of Credit Data on Preventing Over-Indebtedness, Contributing to Prudential Regulation and Facilitating Access to Affordable and Quality Credit Published by the FSUG, at www.accis.eu/fileadmin/filestore/position_papers/ACCIS_Response_to_the_FSUG_Final.pdfGoogle Scholar
Achtziger, H., Kenning, R. and Reisch, L. (2015) ‘Debt out of control: the links between self-control, compulsive buying and real debts’, 49 Journal of Economic Psychology, 141–9CrossRefGoogle Scholar
Acolin, A. et al. (2015) ‘Credit market innovations and sustainable homeownership: the case of non-traditional mortgage products’, Working Paper (April)Google Scholar
Adler, M. and Wozniak, E. (1980) ‘The origins and consequences of default – an examination of the impact of diligence’, Research Report no. 6 (Scottish Law Commission)Google Scholar
Admati, R. and Pfleiderer, P. (2000) ‘Forcing firms to talk: financial disclosure regulation and externalities’, 13 Review of Financial Studies, 479519CrossRefGoogle Scholar
Agarwal, S. and Zhang, J. (2015) A Review of Credit Card Literature: Perspectives from Consumers (19 October), at www.fca.org.uk/publication/market-studies/review-credit-card-literature.pdfGoogle Scholar
Akerlof, A. G. (1970) ‘The market for “lemons”: quality uncertainty and the market mechanism’, 28(3) Quarterly Journal of Economics, 523–47Google Scholar
Alary, D. and Gollier, C. (2001) Strategic Default and Penalties on the Credit Market with Potential Judgment Errors, EUI Working Paper (European University Institute)Google Scholar
Albacete, N. and Lindner, P. (2013) ‘Household vulnerability in Austria: a microeconomic analysis based on the household finance and consumption survey’, 25 Oesterreichische Nationalbank, Financial Stability Report, 5773Google Scholar
Alder, M. and Wozniak, E. (1980) ‘The origins and consequences of default – an examination of the impact of diligence’, Research Report no. 6 (Scottish Law Commission)Google Scholar
Ampudia, M., Vlokhoven, H. and Zochowski, D. (2014) ‘Financial fragility of euro area households. European Central Bank’, Working Paper no. 1737CrossRefGoogle Scholar
Anderson, G. et al. (2016) ‘The Bank of England/NMG Survey of Household Finances’, 37(1) Fiscal Studies, 131–52CrossRefGoogle Scholar
Arellano, M. and Bover, O. (1995) ‘Another look at the instrumental variables estimation of error components models’, 68 Journal of Econometrics, 2951CrossRefGoogle Scholar
Arner, D. W., Barberis, J. N. and Buckley, R. P. (2016) ‘The evolution of fintech: a new post-crisis paradigm?’, 47 Georgetown Journal of International Law, 1271319Google Scholar
Article 29 Working Party (2011) Opinion 15/2011 on the Definition of Consent, 01197/11/ENWP187 (Brussels, 13 July)Google Scholar
Article 29 Working Party (2012) Opinion 08/2012 Providing Further Input on the Data Protection Reform Discussions, WP 199 (Brussels, 5 October)Google Scholar
Article 29 Working Party (2013) Advice Paper on Essential Elements of a Definition and a Provision on Profiling within the EU General Data Protection Regulation (Brussels, 13 May)Google Scholar
Atamer, Y. M. (2011) ‘Duty of responsible lending: should the European Union take action?’, in Grundmann, S. and Atamer, Y. M. (eds.), Financial Services, Financial Crisis and General European Contract Law (Kluwer), 179202Google Scholar
Baer, T., Goland, T. and Schiff, R. (2013) ‘New credit-risk models for the unbanked’, McKinsey Quarterly (April), at www.mckinsey.com/business-functions/risk/our-insights/new-credit-risk-models-for-the-unbankedGoogle Scholar
Baister, S. (2014) ‘Shooting from the hip’. A chapter delivered to the INSOL Academic Forum (Istanbul, 8 October)Google Scholar
Baister, S. and Toube, F. (2012) ‘All change is not growth, as all movement is not forward!’, 25(4) Insolvency Intelligence, 4954Google Scholar
Balboni, P. et al. (2013) ‘Legitimate interest of the data controller. New data protection paradigm: legitimacy grounded on appropriate protection’, 3 International Data Privacy Law, 244–61CrossRefGoogle Scholar
Balmer, N., Pleasence, P., Buck, A. and Walker, H. C. (2006) ‘Worried sick: the experience of debt problems and their relationship with health, illness and disability’, 5(1) Social Policy and Society, 3951CrossRefGoogle Scholar
Bank of England (2010) Annual ReportGoogle Scholar
Bank of England (2014) ‘Should the availability of UK credit data be improved?’, Discussion Paper (May)Google Scholar
Bank for International Settlement (2018) Implications of FinTech Developments for Banks and Bank Supervisors (February)Google Scholar
Banque de France (1996) ‘Traitement du surendettement: nouvelles perspectives’, Bulletin 2 trimestre, Supplement EtudesGoogle Scholar
Banque de France (2014) Étude des Parcours Menant au Surendettement (September)Google Scholar
Banque de France (2016) Le surendettement des ménages. Enquete typologiqueGoogle Scholar
Barron, J. M. and Staten, M. (2000) ‘The value of comprehensive credit reports: lessons from the US Experience’, Research Paper – Credit Research Centre (Georgetown University)Google Scholar
Barron, J. M. and Staten, M. (2003) ‘The value of comprehensive credit reports: lessons from the US experience’, in Miller, M. J. (ed.), Reporting Systems and the International Economy (MIT Press), 273310Google Scholar
Beck, T., Büyükkarabacak, B., Rioja, F. K. and Valev, N. T. (2012) ‘Who gets the credit and does it matter? Household vs. firm lending across countries’, 12 BE Journal of Macroeconomics, 146Google Scholar
Beck, T., Demirgüç-Kunt, A. and Levine, R. (2003) ‘Law and finance: why does legal origin matter?’, 31(4) Journal of Comparative Economics, 653–75CrossRefGoogle Scholar
Becker, G. S. (1976) The Economic Approach to Human Behavior (University of Chicago Press)CrossRefGoogle Scholar
Bellofiore, R. and Halevi, J. (2009) ‘Deconstructing labor. A Marxian–Kaleckian perspective on what is “new” in contemporary capitalism and economic policies’, in Gnos, C. et al. (eds.), Employment, Growth and Development. A Post-Keynesian Approach (Edward Elgar)Google Scholar
Berger, A. N. and Mester, L. J. (2003) ‘Explaining the dramatic changes in the performance of US banks: technological change, deregulation and dynamic changes in competition’, 12 Journal of Financial Intermediation, 5795CrossRefGoogle Scholar
Berger, A. N. and Udell, G. F. (1995) ‘Relationship lending and lines of credit in small firm finance’, 68 Journal of Business, 351–81Google Scholar
Berthoud, R. and Kempson, E. (1992) Credit and Debt: The PSI Report (PSI)Google Scholar
Bertola, G., Disney, R. and Grant, C. (2006) ‘The economics of consumer credit demand and supply’, in Bertola, G., Disney, R. and Grant, C. (eds.), The Economics of Consumer Credit (MIT Press), 126CrossRefGoogle Scholar
Betti, G., Dourmashkin, N., Rossi, M. and Ping Yin, Y. (2001) Study of the Problem of Consumer Indebtedness: Statistical Aspects, Final Report, at http://ec.europa.eu/consumers/cons_int/fina_serv/cons_directive/fina_serv06_en.pdfGoogle Scholar
Bianco, M., Jappelli, T. and Pagano, M. (2002) ‘Courts and banks: effects of judicial enforcement on credit markets’, CSEF – Centre for Studies in Economics and Finance, Working paper no. 58Google Scholar
Bigus, J. P. (1996) Data Mining with Neural Networks: Solving Business Problems from Application Development to Decision Support (McGraw Hill)Google Scholar
Bishop, T. B. and Shan, H. (2008) ‘Reverse mortgages: a closer look at HECM loans’, Cambridge: National Bureau of Economic ResearchGoogle Scholar
Bloustein, E. J. (1964) ‘Privacy as an aspect of human dignity: an answer to Dean Prosser39 New York University Law Review, 9621007Google Scholar
Bork, R. (1990) The Tempting of America: The Political Seduction of the Law (Simon & Schuster)Google Scholar
Bork, R. (1993) The Antitrust Paradox (Free Press)Google Scholar
Bouyon, S. and Boeri, F. (2014) ECRI Statistical Package (ECRI)Google Scholar
Braucher, J. (2006) ‘Theories of overindebtedness: interaction of structure and culture’, 7 Theoretical Inquiries in Law, 323–46CrossRefGoogle Scholar
Braunstein, S. and Welch, C. (2002) ‘Financial literacy: an overview of practice, research, and policy88 Federal Reserve Bulletin, 445–57CrossRefGoogle Scholar
Brealey, R. et al. (2001) Financial Stability and Central Banks (Routledge)CrossRefGoogle Scholar
Bridges, S. and Disney, R. (2004) ‘Use of credit and arrears on debt among low-income families in the United Kingdom25(1) Fiscal Studies, 125CrossRefGoogle Scholar
British Competition Commission (2009) ‘Market investigation into payment protection insurance’, ReportGoogle Scholar
Brown, S., Taylor, K. and Price, S. W. (2005) ‘Debt and distress: evaluating the psychological cost of credit26 Journal of Economic Psychology, 642–63CrossRefGoogle Scholar
Brownsword, R. (2009) ‘Consent in data protection law: privacy, fair processing and confidentiality’, in Gutwirth, S. et al. (eds.), Reinventing Data Protection? (Springer), 83110CrossRefGoogle Scholar
Camerer, C. et al. (2003) ‘Regulation for conservatives: behavioral economics and the case for asymmetric paternalism’, 151 University of Pennsylvania Law Review, 1211–54CrossRefGoogle Scholar
Caplovitz, D. (1963) The Poor Pay More: Consumer Practices of Low Income Families (Free Press)Google Scholar
Carbò-Valverde, S. (2017) ‘The impact of digitalization on banking and financial stability’, 5 Journal of Financial Markets and Institutions, 13340Google Scholar
Cartwright, P. (2004) Banks, Consumers and Regulation (Hart)Google Scholar
Cavalletti, B. et al. (2014) ‘Consumer debt and financial fragility in Italy’, DEMM Working Paper no. 2014–08Google Scholar
Central Bank of Ireland (2017) Discussion Paper: Consumer Protection Code and the Digitalisation of Financial Services (June)Google Scholar
Cerini, D. (2016) ‘Consumer over-indebtedness and interference with credit contracts: an Italian perspective’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 345–70Google Scholar
Chmelar, A. (2012) ‘Household debt in Europe’s periphery: the danger of a prolonged recession’, ECRI Commentary no. 12 (Brussels)Google Scholar
Christelis, D., Jappelli, T., Paccagnella, O. et al. (2010) ‘Income, wealth and financial fragility in Europe’, 19(4) Journal of European Social Policy, 359–76Google Scholar
Civic Consulting (2013) The Over-Indebtedness of European Households: Updated Mapping of the Situation, Nature and Causes, Effects and Initiatives for Alleviating its Impact (Brussels)Google Scholar
Comparato, G. (2015) ‘The design of consumer and mortgage credit law in the European system’, in Micklitz, H.-W. and Domurath, I. (eds.), Consumer Debt and Social Exclusion in Europe (Ashgate)Google Scholar
Comparato, G (2016) ‘The Italian law against over-indebtedness: fresh start, debt advice and financial education’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 371–90.Google Scholar
Consumer Financial Protection Bureau (2012) Analysis of Differences between Consumer- and Creditor-Purchased Credit Scores (September), at http://files.consumerfinance.gov/f/201209_Analysis_Differences_Consumer_Credit.pdfGoogle Scholar
Consumers International (2013) Responsible Lending: An International Landscape (November)Google Scholar
Cosma, S. (2016) ‘The Italian banking system, consumer credit and the financial crisis: economic perspectives’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 315–30Google Scholar
Cox, D. and Jappelli, T. (1993) ‘The effect of borrowing constraints on consumer liabilities’, 25(2) Journal of Money Credit and Banking, 197213CrossRefGoogle Scholar
Craig, P. and de Búrca, G. (2008) EU Law (Oxford University Press)Google Scholar
Credit Agricole (2017) Overview of Consumer Credit in Europe 2016Google Scholar
Crook, J. (2005) ‘The measurement of household liabilities: conceptual issues and practices’, University of Edinburgh, Credit Research Centre, Working paperGoogle Scholar
Crook, J. (2006) ‘Household debt demand and supply’, in Bertola, G., Disney, R. and Grant, C. (eds.), The Economics of Consumer Credit (MIT Press), 6392CrossRefGoogle Scholar
Crouch, C. (2011) The Strange Non-Death of Neoliberalism (Polity)Google Scholar
Crouch, C (2015) Governing Social Risks in Post-Crisis Europe (Edward Elgar).CrossRefGoogle Scholar
Crowther, G. (1971) Consumer Credit: Report of the Committee (Department of Trade and Industry)Google Scholar
D’Alessio, G. and Iezzi, S. (2016) ‘Household over-indebtedness: definition and measurement with Italian data’, Banca d’Italia, Occasional Paper no. 149Google Scholar
Damia, V. and Israel, J. M. (2014) Standardised Granular Credit and Credit Risk Data, Seventh IFC Conference on Indicators to Support Monetary and Financial Stability Analysis: Data Sources and Statistical Methodologies (Basel, 4–5 September)Google Scholar
Datatilsynet, [Norwegian Data Protection Authority] (2018) ‘Artificial intelligence and privacy’ (January)Google Scholar
Davies, I. (ed.) (2003) Insolvency and the Enterprise Act 2002 (Jordans)Google Scholar
Davis, S. G. (1997) ‘Re-engineering the right to privacy: how privacy has been transformed from a right to a commodity’, in Agre, P. and Rotenberg, M. (eds.), Technology and Privacy: The New Landscape (MIT Press), 143–65Google Scholar
De Almeida, A. M. and Damia, V. (2014) ‘Challenges and prospects for setting-up a European Union shared system on credit’, IFC Bulletin no. 37 (January)Google Scholar
De Hert, P. and Gutwirth, S. (2009) ‘Data protection in the case law of Strasbourg and Luxembourg: constitutionalisation in action’, in Gutwirth, S. et al. (eds.), Reinventing Data Protection? (Springer), 344CrossRefGoogle Scholar
De Hert, P. and Papakonstantinou, V. (2016) ‘The new General Data Protection Regulation: still a sound system for the protection of individuals?’, 32(2) Computer Law & Security Review, 179–94CrossRefGoogle Scholar
De Mooy, M. (2017) Rethinking Privacy Self-Management and Data Sovereignty in the Age of Big Data (Bertelsmann Stiftung)Google Scholar
De Roure, C., Pelizzon, L. and Tasca, P. (2016) ‘How does P2P lending fit into the consumer credit market?’, Deutsche Bundesbank Discussion Paper no. 30Google Scholar
de Silva, A. J. et al. (2015) ‘The residential mortgage (de)regulation–innovation nexus’, Munich Personal RePec Archive MPRA, Working Paper no. 62549 (November)Google Scholar
Deaton, A. (1992) Understanding Consumption (Oxford University Press)CrossRefGoogle Scholar
DeCew, J. W. (1997) In Pursuit of Privacy: Law, Ethics, and the Rise of Technology (Cornell University Press)CrossRefGoogle Scholar
Del Rio, A. and Young, G. (2006) ‘The determinants of unsecured borrowing: evidence from the British Household Panel Survey’, 15 Applied Financial Economics, 1119–44Google Scholar
Demirgüç-Kunt, A. and Huizinga, H. (2000) ‘Financial structure and bank profitability’, Policy Research Working Paper Series 2430, World BankCrossRefGoogle Scholar
Department of Trade and Industry (2003) Fair, Clear and Competitive, the Consumer Credit Market in the 21st Century, White PaperGoogle Scholar
Desai, S. and Meekings, J. (2016) ‘Small business loans through funding circle boost UK economy by £2.7 billion’, Centre for Economics and Business ResearchGoogle Scholar
Desai, V. et al. (1997) ‘Credit scoring models in the credit union improvement using neural networks and genetic algorithms’, 8 IMA Journal Mathematics Applied in Business and Industry, 323–46Google Scholar
Deutch, S. (1994) ‘Are consumer rights, human rights?’, 32 Osgoode Hall Law Journal, 537–78CrossRefGoogle Scholar
Diamond, D. (1991) ‘Monitoring and reputation: the choice between bank loans and directly placed debt’, 99(4) Journal of Political Economy, 689721CrossRefGoogle Scholar
Diamond, D. and Vartiainen, H. (eds.) (2007) Introduction to Behavioural Economics and Its Applications (Princeton University Press)Google Scholar
Disney, R. and Gathergood, J. (2013) ‘Financial literacy and consumer credit portfolios’, 37 Journal of Banking & Finance, 2246–54CrossRefGoogle Scholar
Dittmar, H. and Bond, R. (2010) ‘“I want it and I want it now”: using a temporal discounting paradigm to examine predictors of consumer impulsivity’, 101 British Journal of Psychology, 751–76CrossRefGoogle ScholarPubMed
Dominy, N. and Kempson, K. (2003) Can’t Pay or Won’t Pay? A Review of Creditor and Debtor Approaches to the Non-Payment of Bills (DCA)Google Scholar
Domurath, I. (2017) Consumer Vulnerability and Welfare in Mortgage Contracts (Hart)Google Scholar
Domurath, I., Comparato, G. and Micklitz, H.-W. (eds.) (2014) ‘The over-indebtedness of European consumers – a view from six countries’, EUI Working Paper Law 2014/10 )CrossRefGoogle Scholar
Drentea, P. and Reynolds, J. R. (2012) ‘Neither a borrower nor a lender be: the relative importance of debt and SES for mental health among older adults’, 24 Journal of Aging and Health, 673–95CrossRefGoogle Scholar
Duffy, I. P. H. (1985) Bankruptcy and Insolvency in London During the Industrial Revolution (Garland)Google Scholar
Duygan, B. and Grant, C. (2008) ‘Household debt repayment behaviour: what role do institutions play?’, FRB of Boston Quantitative Analysis Unit, Working Paper, no. 3Google Scholar
Dynan, B. and Kohn, G. (2007) ‘The rise in U.S. household Indebtedness: causes and consequences’, Board of Governors International Finance Discussion Paper no. 37Google Scholar
Economist, The (2015) The Bank in Your Pocket (9 May)Google Scholar
ECRI Statistical Package (2017) Lending to households and non-financial corporations in Europe, 1995–2016Google Scholar
Elliott, A. (2005) Not Waving But Drowning: Over-Indebtedness by Misjudgment (CSFI)Google Scholar
Engel, K. C. and McCoy, P. A. (2011) The Subprime Virus (Oxford University Press)CrossRefGoogle Scholar
Equality and Human Rights Commission (2015) Is Britain Fairer?Google Scholar
Eurofinas (2017) Annual ReportGoogle Scholar
Europe Economics (2009) Study on Credit Intermediaries in the Internal Market, MARKT/2007/14/H (Brussels), at http://ec.europa.eu/finance/finservices-retail/docs/credit/credit_intermediaries_report_en.pdfGoogle Scholar
European Banking Association (2017) ‘EBA’s approach to financial technology’, EBA Discussion Paper no. 2Google Scholar
European Banking Authority (2013) Opinion of the European Banking Authority on Good Practices for Responsible Mortgage Lending (London, 13 June)Google Scholar
European Banking Authority (2014a) Consultation Paper on Draft Guidelines on Arrears and Foreclosure EBA/CP/2014/43 (London, 12 December)Google Scholar
European Banking Authority (2014b) Results of the 2014 EU-wide Stress Test (London, 26 October)Google Scholar
European Banking Authority (2015a) ‘EBA guidelines on creditworthiness assessment’ Final Report on Guidelines on Creditworthiness Assessment (London, 19 August)Google Scholar
European Banking Authority (2015b) Final Report. Guidelines on creditworthiness assessment, EBA/GL/2015/11 (London, 1 June)Google Scholar
European Banking Authority (2016) Discussion Paper on Innovative Uses of Consumer Data by Financial Institutions (London, 4 May)Google Scholar
European Banking Authority (2017) Discussion Paper on the EBA’s Approach to Financial TechnologyGoogle Scholar
European Central Bank (2005) Banking Structures in the New EU Member States, at www.ecb.europa.eu/pub/pdf/other/bankingstructuresnewmemberstatesen.pdfGoogle Scholar
European Central Bank (2010) Memorandum of Understanding on the Exchange of Information Among National Central Credit Registers for the Purpose of Passing It on to Reporting Institutions (April)Google Scholar
European Central Bank (2011) Annual ReportGoogle Scholar
European Central Bank (2017) Manual on MFI Interest Rate Statistics (January)Google Scholar
European Central Bank (2018) Supervisory Banking StatisticsGoogle Scholar
European Commission (2008) Towards a Common Operational European Definition of Over-Indebtedness (Brussels)Google Scholar
European Commission (2009) Report of the Expert Group on Credit Histories (Brussels)Google Scholar
European Economic and Social Committee (2014a) Financial education for allGoogle Scholar
European Economic and Social Committee (2014b) Opinion of the Economic and Social Committee on ‘Household over-indebtedness’ (2002/c 149/01); Opinion of the Economic and Social Committee on ‘Consumer protection and appropriate treatment of over-indebtedness to prevent social exclusion’ (Exploratory opinion), INT/726 (Brussels, 29 April)Google Scholar
European Parliament (2011) Responsible Lending – Barriers to Competition, DG For Internal Policies, Economic and Monetary Affairs, IP/A/ECON/ST/2011–05, Brussels: European Parliament (Brussels, June)Google Scholar
Fabbri, D. and Padula, M. (2004) ‘Do poor legal enforcement make households credit constrained?’, 28 Journal of Banking and Finance, 2369–97CrossRefGoogle Scholar
Fairweather, K. (2012) ‘The development of responsible lending in the UK consumer credit regime’, in Devenney, J. and Kenny, M. (eds.), Consumer Credit, Debt and Investment in Europe (Cambridge University Press), 84110CrossRefGoogle Scholar
Farkas, B. (2012) ‘The impact of the global economic crisis in the old and new cohesion member states of the European Union’, 57(1) Public Finance Quarterly, 5370Google Scholar
Fernandes, D., Lynch, L. G. and Netemeyer, R. (2014) ‘Financial literacy, financial education and downstream financial behaviors’, 60 Management Science, 1861–83CrossRefGoogle Scholar
Ferretti, F. (2008) The Law and Consumer Credit Reporting Systems in the EC (Routledge-Cavendish)Google Scholar
Ferretti, F. (2009) ‘The “credit scoring pandemic” and the European vaccine: making sense of EU data protection legislation’, 1 Journal of Information Law and Technology, 124, at http://go.warwick.ac.uk/jilt/2009_1/ferrettiGoogle Scholar
Ferretti, F. (2010) ‘A European perspective on consumer loans and the role of credit registries: the need to reconcile data protection, risk management, efficiency, over-indebtedness, and a better prudential supervision of the financial system’, 33(1) Journal of Consumer Policy, 127CrossRefGoogle Scholar
Ferretti, F. (2014) EU Competition Law, the Consumer Interest and Data Protection (Springer)CrossRefGoogle Scholar
Ferretti, F. and Livada, C. (2016) ‘The over-indebtedness of European consumers under EU policy and law’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 1139Google Scholar
Ferretti, F., Salomone, R., Sutschet, H. and Tsiafoutis, V. (2016) ‘The regulatory framework of consumer over-indebtedness in the UK, Germany, Italy, and Greece: comparative profiles of responsible credit and personal insolvency law’, 37(2–3) Business Law Review, 6471 (pt i) and 8693 (pt ii)Google Scholar
Ferri, G. and Simon, P. (2010) ‘Constrained consumer lending: methods using the survey of consumer finances’, Università di Bari, Working PaperGoogle Scholar
Financial Inclusion Centre (2018) ‘FinTech – beware of the “geeks” bearing gifts?’, a Financial Inclusion Centre Discussion Paper (January)Google Scholar
Financial Services Authority (2010) Mortgage Market Review: Responsible LendingGoogle Scholar
Financial Services User Group (FSUG) (2015) Assessing the Impact of Credit Data on Preventing Over-Indebtedness, Contributing to Prudential Regulation and Facilitating Access to Affordable and Quality Credit, at http://ec.europa.eu/finance/finservices-retail/docs/fsug/papers/1512-credit-data_en.pdfGoogle Scholar
Financial Stability Board (2012) Principles for Sound Residential Mortgage Underwriting PracticesGoogle Scholar
Financial Stability Board and Bank for International Settlements (2017) ‘FinTech credit’, Report prepared by a Working Group established by the Committee on the Global Financial System and the Financial Stability Board (22 May)Google Scholar
FinCoNet (2014) FinCoNet Report on Responsible Lending – Review of Supervisory Tools for Suitable Consumer Lending Practices (July)Google Scholar
Finlay, S. (2009) Consumer Credit Fundamentals (Palgrave Macmillan)CrossRefGoogle Scholar
Fletcher, I. (1978) Law of Bankruptcy (Macdonald & Evans)Google Scholar
Fractal Analytics (2003) Comparative Analysis of Classification Techniques, A Fractal White Paper (September)Google Scholar
Frank, R. (1998) Passions within Reason (Norton)Google Scholar
Franken, I. H., Van Strien, J. W., Nijs, I. and Muris, P. (2008) ‘Impulsivity is associated with behavioral decision-making deficits’, 158(2) Psychiatry Research, 155–63CrossRefGoogle ScholarPubMed
Fried, C. (1970) An Anatomy of Values (Harvard University Press)CrossRefGoogle Scholar
Garante per la Protezione dei Dati Personali (2004) Balancing of Interests: Data Collection by CRAs without Consent (Rome, 16 November)Google Scholar
Garcia Porras, C. I. and Van Boom, W. H. (2012) ‘Information disclosure in the EU Consumer Credit Directive: opportunities and limitations’, in Devenney, J. and Kenny, M. (eds.), Consumer Credit, Debt and Investment in Europe (Cambridge University Press), 2155CrossRefGoogle Scholar
Gathergood, J. (2012) ‘Self-control, financial literacy and consumer over indebtedness’, 33 Journal of Economic Psychology, 590–602CrossRefGoogle Scholar
Gathergood, J. and Weber, J. (2017) ‘Financial literacy, present bias and alternative mortgage products’, 78 Journal of Banking and Finance, 5883CrossRefGoogle Scholar
Gavison, R. (1980) ‘Privacy and the Limits of the Law’, 89 Yale Law Journal, 421–71CrossRefGoogle Scholar
Gellert, R. (2015) ‘Data protection: a risk regulation? Between the risk management of everything and the precautionary alternative’, 5 International Data Privacy Law, 319CrossRefGoogle Scholar
Gelpi, R. and Julien-Labruyère, F. (2000) The History of Consumer Credit (Macmillan)CrossRefGoogle Scholar
Gerhardt, M. (2009) ‘Consumer bankruptcy regimes in the US and Europe. Further effects and implications of the crisis’ CEPS Working Document no. 318 (July)Google Scholar
Gerstein, R. S. (1978) ‘Intimacy and privacy’, 89 Ethics, 7681CrossRefGoogle Scholar
Gerstenberg, O. (2015) ‘Constitutional reasoning in private law: the role of the CJEU in adjudicating unfair terms in consumer contracts’, 21(5) European Law Journal, 599621CrossRefGoogle Scholar
Giannetti, C., Jentzsch, N. and Spagnolo, G. (2010) Information-Sharing and Cross-Border Entry in European Banking, ECRI Research Report no. 11 (Brussels, February)CrossRefGoogle Scholar
Glorfeld, L. W. and Hardgrave, B. C. (1996) ‘An improved method for developing neural networks: the case of evaluating commercial loan creditworthiness’, 23 (10) Computer Operation Research, 933–44CrossRefGoogle Scholar
Gortsos, C. (2008) ‘MiFID’s investor protection regime: best execution of client orders and related conduct of business rules’, in Avgouleas, E. (ed.), The Regulation of Investment Services in Europe under MiFID: Implementation and Practice (Tottel)Google Scholar
Gortsos, C (2016) ‘Financial inclusion: an overview of its various dimensions and the initiatives to enhance its current level’ ECEFIL Working Paper Series no. 2016/15, at http://ssrn.com/abstract=2715625Google Scholar
Graeber, D. (2011) Debt – The First 5,000 Years (Melville House)Google Scholar
Grant, C. (2003) ‘Estimating credit constraints among US households’, European University Institute Working Paper (Florence)Google Scholar
Green, M. (2009) ‘New Labour: more debt – the political response’, in Niemi, J., Ramsay, I. and Whitford, W. C. (eds.), Consumer Credit, Debt & Bankruptcy – Comparative and International Perspectives (Hart), 393418Google Scholar
Group of Specialists on Seeking Legal Solutions to Debt Problems (Cj-S-Debt) (2007) Final Activity Report of the Group of Specialists for Legal Solutions to Debt Problems (CJ-S-DEBT), CJ-S-DEBT (2006) 6 Final (Strasbourg, 18 January)Google Scholar
G20/OECD Task Force on Financial Consumer Protection (2014) Effective Approaches to Support the Implementation of the Remaining G20/OECD High-Level Principles on Financial Consumer Protection (September)Google Scholar
Gutwirth, S., Leenes, R. and De Hert, P. (eds.) (2016) Data Protection on the Move (Springer)CrossRefGoogle Scholar
Guzelian, C. P., Stein, M. A. and Akiskal, H. S. (2015) ‘Credit scores, lending, and psychosocial disability’, 95 Boston University Law Review, 1807–68Google Scholar
Haffner, M. et al. (2015) ‘Mortgage equity withdrawal and institutional settings: an exploratory analysis of six countries’, 15(3) International Journal of Housing Policy, 235–59CrossRefGoogle Scholar
Handzic, M. (2003) ‘How neural networks can help loan officers to make better informed application decisions’, Informing Science, 97109CrossRefGoogle Scholar
Hansen, J. and Kysar, D. (1999) ‘Taking behaviouralism seriously: the problem of market manipulation’, 74 New York University Law Review, 630749Google Scholar
Harvey, D. (2005) A Brief History of Neoliberalism (Oxford University Press)CrossRefGoogle Scholar
Heidhues, P. and Koszegi, B. (2010) ‘Exploiting naivete about self-control in the credit market’, 100 American Economic Review, 2279303CrossRefGoogle Scholar
Heisenberg, D. (2005) Negotiating Privacy (Lynne Rienner)CrossRefGoogle Scholar
Hendricks, E. (2004) Credit Scores & Credit Reports – How the System Really Works (Privacy Times)Google Scholar
Henegar, J. M. et al. (2013) ‘Credit card behavior as a function of impulsivity and mother’s socialization factors’, 24 Journal of Financial Counseling and Planning, 3749Google Scholar
Herrala, R. and Kauko, K. (2007) ‘Household loan loss risks in Finland – estimation and simulations with micro data’, Bank of Finland Research Discussion Papers no. 5CrossRefGoogle Scholar
Heuer, J.-O. (2013) Social Inclusion and Exclusion in European Consumer Bankruptcy Systems, Paper for the conference Shift to Post-Crisis Welfare States in Europe? Long Term and Short Term Perspectives (Berlin, 4–5 June)Google Scholar
Hlavac, P. et al. (2013) ‘Household stress tests using micro data’, Czech National Bank, Financial Stability ReportGoogle Scholar
HM Treasury (2014) Improving Access to SME Credit Data: Summary of Responses (June), at www.gov.uk/government/uploads/system/uploads/attachment_data/file/323318/PU1681_final.pdfGoogle Scholar
Hoermann, G. (ed.) (1986) Consumer Credit and Consumer Insolvency: Perspectives for Legal Policy from Europe and the USA (ZERP)Google Scholar
Hojman, D. A., Miranda, A. and Ruiz-Tagle, J. (2016) ‘Debt trajectories and mental health’, 167 Social Science and Medicine, 5462CrossRefGoogle ScholarPubMed
House of Commons (2017) ‘Household debt: statistics and impact on the economy’, Briefing Paper no. 7584 (27 April)Google Scholar
Howells, G. G. (1995) ‘Data protection, confidentiality, unfair contract terms, consumer protection and credit reference agencies’, 4 Journal of Business Law, 343–59Google Scholar
Howells, G. G (2005) ‘The potential and limits of consumer empowerment by information’, 32 Journal of Law and Society, 349–70CrossRefGoogle Scholar
Howells, G. G. and Weatherill, S. (2005) Consumer Protection Law (Ashgate)Google Scholar
Huls, N. (1993) ‘Towards a European approach to overindebtedness of consumers’, 16 Journal of Consumer Policy, 215–34CrossRefGoogle Scholar
Huls, N., Reifner, U. and Bourgoinie, T. (1994) Overindebtedness of Consumers in the EC Member States: Facts and Search for Solutions (Kluwer)Google Scholar
Hung, A. and Yoong, J. (2010) Asking for Help: Survey and Experimental Evidence on Financial Advice and Behavior Change (RAND)Google Scholar
Hurley, M. and Adebayo, J. (2016) ‘Credit scoring in the era of big data’, 18 Yale Journal of Law and Technology, 169Google Scholar
Huston, S. J. (2010) ‘Measuring financial literacy’, 44(2) Journal of Consumer Affairs, 296316CrossRefGoogle Scholar
Inness, J. C. (1992) Privacy, Intimacy, and Isolation (Oxford University Press)Google Scholar
INSOL Europe (2010) Harmonisation of Insolvency Law at EU level (European Parliament, Directorate General for Internal Policies, Policy Department C: Citizens’ Rights and Constitutional Affairs)Google Scholar
International Monetary Fund (2012a) ‘Dealing with household debt’, World Economic Outlook (Washington, DC)Google Scholar
International Monetary Fund (2012b) ‘Spain: vulnerabilities of private sector balance sheets and risks to the financial sector technical notes’, IMF country Report no. 12/140 (Washington, DC)CrossRefGoogle Scholar
International Monetary Fund (2013) Annual Report (Washington, DC)Google Scholar
International Monetary Fund (2017) FinTech and financial services: initial considerations (Washington, DC)Google Scholar
Israël, J. (2005) European Cross-Border Insolvency Regulation (Intersentia)Google Scholar
IVASS (2016) PPI – Thematic Review on Policies Linked to Loans: Premiums, Loading and CommissionsGoogle Scholar
Jappelli, T. and Pagano, M. (2000) ‘Information sharing in credit markets: the European experience’, Working Paper no. 35, Centres for Studies in Economics and Finance (University of Salerno)Google Scholar
Jappelli, T. and Pagano, M. (2002) ‘Information sharing, lending and defaults: cross-country evidence’, 26(10) Journal of Banking and Finance, 2017–45CrossRefGoogle Scholar
Jappelli, T. and Pagano, M. (2003) ‘Public credit information: a European perspective’, in Miller, M. (ed.), Reporting Systems and the International Economy (MIT Press), 81114Google Scholar
Jappelli, T. and Pagano, M. (2006) ‘The role and effects of credit information sharing’, in Bertola, G., Disney, R., and Grant, C. (eds.), The Economics of Consumer Credit (MIT Press), 347–71Google Scholar
Jensen, H. L. (1992) ‘Using neural networks for credit scoring’, 18(6) Managerial Finance, 1526CrossRefGoogle Scholar
Jentzsch, N. (2003) ‘The regulation of financial privacy: the United States vs. Europe’, ECRI Research Report no. 5 (June)Google Scholar
Jentzsch, N (2006) The Economics and Regulation of Financial Privacy (Physica-Verlag)Google Scholar
Jentzsch, N (2007) Financial Privacy – An International Comparison of Credit Reporting Systems (Springer)Google Scholar
Jiang, S. S. and Dunn, L. F. (2013) ‘New evidence on credit card borrowing and repayment patterns’, 51 Economic Inquiry, 394407CrossRefGoogle Scholar
Johnson, J. L. (1994) ‘Constitutional privacy’, 13 Law and Philosophy, 161–93CrossRefGoogle Scholar
Joint Committee of the European Supervisory Authorities (2016), Joint Committee Discussion Paper on the Use of Big Data by Financial Institutions JC 2016 86 (19 December)Google Scholar
Jolls, C., Sunstein, C. R. and Thaler, R. (1998) ‘A behavioral approach to law and economics’, 50 Stanford Law Review, 14711550CrossRefGoogle Scholar
Jones, W. J. (1979) ‘The foundations of English bankruptcy: statutes and commissions in the early modern period’, 69(3) Transactions of the American Philosophical Society, 163CrossRefGoogle Scholar
Jones, M. A., Reynolds, K. E., Weun, S. and Beatty, S. E. (2003) ‘The product-specific nature of impulse buying tendency’, 56 Journal of Business Research, 505–11CrossRefGoogle Scholar
Józon, M. (2017) ‘Unfair contract terms law in Europe in time of crisis: substantive justice lost in the paradise of proceduralisation of contract fairness’, 4 Journal of European Consumer and Market Law, 157–66Google Scholar
Kamleitner, B., Hoelzi, E. and Kirchler, E. (2012) ‘Credit use: psychological perspectives on a multifaceted phenomenon’, 47 International Journal of Psychology, 127CrossRefGoogle ScholarPubMed
Kang, J. and Bunter, B. (2004) ‘Privacy in Atlantis’, 18 Harvard Journal of Law and Technology, 230–67Google Scholar
Kant, I. (1785) Groundwork of the Metaphysics of Morals [Grundlegung zur Metaphysik der Sitten]Google Scholar
Karacimen, E. (2017) ‘Financialization in Turkey: the case of consumer debt’, 16(2) Journal of Balkan and Near Eastern Studies, 161–80Google Scholar
Karlsson, N. et al. (2004) ‘Household consumption: influences of aspiration level, social comparison and money management’, 25 Journal of Economic Psychology, 753–69.CrossRefGoogle Scholar
Katsas, T. G. (2016) ‘Key elements of the Greek legal framework on insolvency of natural persons’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 259–70Google Scholar
Keese, M. (2008) ‘Who feels constrained by high debt burdens? Subjective vs objective measures of household debt’, 33 Journal of Economic Psychology, 125–41.Google Scholar
Kelemen, R. D. (2012) The Transformation of Law and Regulation in the European Union (Harvard University Press)Google Scholar
Kempson, E. (2002) Over-Indebtedness in Britain: A Report to the Department of Trade and Industry (London, DTI)Google Scholar
Kenyon, A. T. and Richardson, M. (2006) ‘New dimensions in privacy: communications technologies, media practices and law’, in Kenyon, A. T. and Richardson, M. (eds.), New Dimensions in Privacy Law (Cambridge University Press), 110CrossRefGoogle Scholar
Keys, B. J. et al. (2008) ‘Did securitization lead to lax screening? Evidence from subprime loans’, Working Paper prepared for the European Finance AssociationCrossRefGoogle Scholar
Khan, H. H. H., Abdullah, H. and Samsudin, S. (2016) ‘Modelling, the determinants of Malaysian household debt’, 6(4) International Journal of Economics and Financial Issues, 1468–73Google Scholar
Kilborn, J. (2005) ‘Behavioural economics, overindebtedness and comparative consumer bankruptcy: searching for causes and evaluating solutions’, 22 Bankruptcy Development Journal, 1346Google Scholar
Kilborn, J. (2009) ‘Two decades, three key questions, and evolving answers in European consumer insolvency law. Responsibility, discretion, and sacrifice’, in Niemi, J., Ramsay, I. and Whitford, W. C. (eds.), Consumer Credit, Debt & Bankruptcy – Comparative and International Perspectives (Hart), 307–29Google Scholar
Kilborn, J. (2010) Expert Recommendations and the Evolution of European Best Practices for the Treatment of Overindebtedness, 1984–2010 (August), at SSRN: http://ssrn.com/abstract=1663108 or http://dx.doi.org/10.2139/ssrn.1663108CrossRefGoogle Scholar
Klein, D. B. (1992) ‘Promise keeping in great society: a model of credit information sharing’, 4(2) Economics and Politics, 117–36Google Scholar
Klein, D. B (1997), ‘Promise keeping in the great society: a model of credit information sharing’, in Klein, D. B. (ed.), Reputation: Studies in the Voluntary Elicitation of Good Conduct (University of Michigan Press), 267–88CrossRefGoogle Scholar
Kolenikov, S. and Angeles, G. (2004) ‘The use of discrete data in principal component analysis: theory, simulations, and applications to socioeconomic indices’, Proceedings of the American Statistical AssociationGoogle Scholar
Kondgen, J. (2011) ‘Policy responses to the credit crises: does the law of contract provide an answer?’, in Grundmann, S. and Atamer, Y. M. (eds.), Financial Services, Financial Crisis and General European Contract Law (Kluwer), 3559Google Scholar
Koyama, Y. (2010) ‘Economic crisis in new EU Member States in Central and Eastern Europe: focusing on Baltic States’, 5(3) Romanian Economic and Business Review, 3155Google Scholar
KPMG (2017) The Pulse of FinTech Google Scholar
La Porta, R. et al. (1998) ‘Law and finance’, 106(6) Journal of Political Economy, 1113–55CrossRefGoogle Scholar
Landau, D. (2016) ‘Artificial intelligence and machine learning: how computers learn’, Tech Innovation (17 August), at https://iq.intel.com/artificial-intelligence-and-machine-learningGoogle Scholar
Lastra, R. M. (1996) Central Banking and Banking Regulation (Financial Markets Group LSE)Google Scholar
Lastra, R. M. and Shams, H. (2001) ‘Public accountability in the financial sector’, in Ferran, E. and Goodhart, C. A. E. (eds.), Regulating Financial Services and Markets in the Twenty First Century (Hart), 165–88Google Scholar
Lea, S. Behaviour Change: Personal Debt [British Psychological Society, no date], at www.bps.org.uk/behaviourchangeGoogle Scholar
Lea, S. and Webley, P. (1995) ‘Psychological factors in consumer debt: money management, economic socialization and credit use’, 16 Journal of Economic Psychology, 681701CrossRefGoogle Scholar
Leimgruber, J., Meier, A. and Backus, J. (2017) ‘Decentralized credit scoring powered by Ethereum and IPFS’, Bloom Protocol (4 September)Google Scholar
Lester, V. M. (1995) Victorian Insolvency (Clarendon Press)CrossRefGoogle Scholar
Limerick, L. and Peltier, J. W. (2014) ‘The effects of self-control failures on risky credit card usage’, 24 Marketing Management Journal, 149–61Google Scholar
Linna, T. (2014) ‘Cross-border debt adjustment – open questions in European insolvency proceedings’, 23 International Insolvency Review, 2039CrossRefGoogle Scholar
Liu, Y. and Rosenberg, C. (2013) ‘Dealing with private debt distress in the wake of the European financial crisis – a review of the economics and legal toolbox’, IMF Working Paper WP/13/44CrossRefGoogle Scholar
Livada, C. (2016) ‘The Greek regulatory framework on responsible lending’, Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 247–58Google Scholar
London Economics (2012) Study on means to protect consumers in financial difficulty: Personal bankruptcy, datio in solutum of mortgages, and restrictions on debt collection abusive practices, Final Report prepared for the Financial Services User Group, Contract No. MARKT/2011/023/B2/ST/FC (December)Google Scholar
Loos, M. (2010) ‘Full harmonisation as a regulatory concept and its consequences for the national legal orders: the example of the Consumer Rights Directive’, Centre for the Study of European Contract Law Working Paper Series No. 2010/03 (July), at http://ssrn.com/abstract=1639436 or http://dx.doi.org/10.2139/ssrn.1639436CrossRefGoogle Scholar
Lusardi, A. and Tufano, P. (2015) ‘Debt literacy, financial experiences, and overindebtedness’, 14 Journal of Pension Economics and Finance, 332–68Google Scholar
Lynskey, O. (2015) The Foundations of EU Data Protection Law (Oxford University Press)Google Scholar
McAteer, M. and Beddows, S. (2014) Fixing a Broken Market (Report for Association of Chartered Certified Accountants)Google Scholar
McCall, M., Trombetta, J. and Gipe, A. (2004) ‘Credit cues and impression management: a preliminary attempt to explain the credit card effect’, 95 Psychological Reports, 331–7CrossRefGoogle ScholarPubMed
McCormack, G., Keay, A. and Brown, S. (2017) European Insolvency Law – Reform and Harmonisation (Edward Elgar)CrossRefGoogle Scholar
McIntyre, S. G. (2017) ‘Personal indebtedness, community characteristics and theft crimes’, 54 Urban Studies, 2395419CrossRefGoogle Scholar
McKinsey (2015) Global Banking Annual ReviewGoogle Scholar
McMeel, G. (2009) ‘Investment firms – retail sector’, in Blair, M. et al. (eds.), Financial Services Law (Oxford University Press), 637–80Google Scholar
Magri, S. (2007) ‘Italian households’ debt: determinant of demand and supply’, 33(3) Empirical Economics, 401–26.Google Scholar
Magri, S., Pico, R. and Rampazzi, C. (2011) ‘Which households use consumer credit in Europe?’, 100 Questioni di Economia e Finanza [occasional papers]Google Scholar
Malloy, R. P. (2004) Law in a Market Context: An Introduction to Market Concepts in Legal Reasoning (Cambridge University Press).CrossRefGoogle Scholar
Mann, R. J. (2007) ‘Bankruptcy reform and the “sweatbox” of credit card debt’, 1 University of Illinois Law Review, 375403Google Scholar
Martin, L. E. and Potts, G. F. (2009) ‘Impulsivity in decision-making: an event-related potential investigation’, 46 Personality and Individual Differences, 303–8CrossRefGoogle ScholarPubMed
May, O., Tudela, M. and Young, G. (2004) ‘British household indebtedness and financial stress: a household-level picture’, Bank of England, Quarterly BulletinGoogle Scholar
Schonberger, Mayer, V. (1997) ‘Generational development of data protection in Europe’, in Agre, E. and Rotenberg, M. (eds.), Technology and Privacy: The New Landscape (MIT Press, 1997), 219–41Google Scholar
Meier, S. and Sprenger, C. (2010) ‘Present-biased preferences and credit card borrowing’, 2(1) American Economic Journal: Applied Economics, 193201.Google Scholar
Meier, S. and Sprenger, C (2013) ‘Discounting financial literacy: time preferences and participation in financial education programs’, 95 Journal of Economic Behavior & Organization, 159–74CrossRefGoogle Scholar
Meltzer, H. et al. (2011) ‘Personal debt and suicidal ideation’, 41 Psychological Medicine, 771–8CrossRefGoogle ScholarPubMed
Meng, X., Hoang, N. T. and Siriwardana, M. (2013) ‘The determinants of Australian household debt: a macro level study’, 29 Journal of Asian Economics, 8090CrossRefGoogle Scholar
Mentis, G. (2012) Defense and Release of the Over-Indebted Debtor (Dikaio kai Oikonomia P. N. Sakkoulas)Google Scholar
Mentis, G (2016) ‘The dimensions of the crisis and the response of Greek private law – a general overview’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 227–34Google Scholar
Mester, L. J. (1997) ‘What’s the point of credit scoring?’, Business Review Federal Reserve Bank of Philadelphia (September/October).Google Scholar
Metz, R. (2012) ‘Scoring: new legislation in Germany’, 35(3) Journal of Consumer Policy, 297305CrossRefGoogle Scholar
Micklitz, H.-W. (2012a) ‘The regulation of over-indebtedness of consumers in Europe’, 35(4) Journal of Consumer Policy, 417–19CrossRefGoogle Scholar
Micklitz, H.-W (2012b) ‘Do consumers and businesses need a new architecture of consumer law? A thought-provoking impulse’, EUI Working Papers Law 2012/23CrossRefGoogle Scholar
Micklitz, H.-W (2013b) ‘Unfair contract terms – public interest litigation before European Courts case C-415/11 Mohamed Aziz’, in Terryn, E. et al. (eds.), Landmark Cases of EU Consumer Law – In Honour of Jules Stuyck (Intersentia), 633–52Google Scholar
Micklitz, H.-W (2013a) ‘Access to, and exclusion of, European consumers from financial markets after the global financial crisis’, in Wilson, T. (ed.), International Responses to Issues of Credit and Over-Indebtedness (Ashgate), 4777Google Scholar
Micklitz, H.-W (2015) ‘Conclusions: consumer over-indebtedness and consumer insolvency – from micro to macro’, in Micklitz, H.-W. and Domurath, I. (eds.), Consumer Debt and Social Exclusion in Europe (Ashgate), 229–35Google Scholar
Micklitz, H.-W. and Reich, N. (2014) ‘The court and Sleeping Beauty: the revival of the Unfair Contract Terms Directive (UCTD)’, 51(3) Common Market Law Review, 771808Google Scholar
Mierzwinski, E. and Chester, J. (2013) ‘Selling consumers not lists: the new world of digital decision-making and the role of the Fair Credit Reporting Act’, 46(3) Suffolk University Law Review, 845–80Google Scholar
Miller, M. (2003a) ‘Introduction’, in Miller, M. (ed.), Reporting Systems and the International Economy (MIT Press), 123Google Scholar
Miller, M (2003b) ‘Credit reporting systems around the globe: the state of the art in public credit registry and private credit reporting firms’, in Miller, M. (ed.), Reporting Systems and the International Economy (MIT Press), 2579Google Scholar
Mills, A. (2009) The Confluence of Public and Private International Law (Cambridge University Press)CrossRefGoogle Scholar
Modigliani, F. and Brumberg, R. (1954) ‘Utility analysis and the consumption function: an interpretation of cross-section data’, in Kurihana, K. K. (eds.), Post-Keynesian Economics (Rutgers University Press), 388438Google Scholar
Molloy, T. (2004) ‘Fraud in the cross-hairs’, 17(3) Compliance Monitor, 1Google Scholar
Moloney, N. (2008) EC Securities Regulation (Oxford University Press)Google Scholar
Molyneux, P. and Thornton, J. (1992) ‘Determinants of European bank profitability: a note’, 16 Journal of Banking and Finance, 1173–8CrossRefGoogle Scholar
Money Advice Service (2016) A Picture of Over-IndebtednessGoogle Scholar
Montgomerie, J. (2013) ‘America’s debt safety-net’, 91 Public Administration, 871–88CrossRefGoogle Scholar
Moore, A. D. (1998) ‘Intangible property: privacy, power, and information control’, 35 American Philosophical Quarterly, 365–78Google Scholar
Moore, D. L. (2003) ‘Survey of financial literacy in Washington State: knowledge, behavior, attitudes, and experiences’, Technical Report 03–39, Social and Economic Sciences Research Center (Washington State University)Google Scholar
Morgan, B. (2006) ‘The North–South politics of necessity: regulating for basic rights between national and international levels’, 29 Journal of Consumer Policy, 465–87Google Scholar
Morse, A. (2015) ‘Peer-to-peer crowdfunding: information and the potential for disruption in consumer lending’, NBER Working PaperCrossRefGoogle Scholar
Moulton, S., Loibl, C. and Haurin, D. (2017) ‘Reverse mortgage motivations and outcomes: insights from survey data’, 19(1) Cityscape, 7397Google Scholar
Mouzouraki, M. J. (2016) ‘(Failure to set up an efficient) out of court system to deal with debtors in financial distress in Greece’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 235–46Google Scholar
Murphy, K. P. (2012) Machine Learning: A Probabilistic Perspective (MIT Press)Google Scholar
Nield, S. (2010) ‘Responsible lending and borrowing: whereto low-cost home ownership?’, 30(4) Legal Studies, 610–32CrossRefGoogle Scholar
Nield, S. (2012) ‘Mortgage finance: who’s responsible?’, in Devenney, J. and Kenny, M. (eds.), Consumer Credit, Debt and Investment in Europe (Cambridge University Press), 160–81Google Scholar
Niemi, J. (1999) ‘Consumer bankruptcy in comparison: do we cure a market failure or a social problem?’, 37 Osgoode Hall Law Journal, 473503CrossRefGoogle Scholar
Niemi, J. (2012) ‘Consumer insolvency in the European legal context’, 35 Journal of Consumer Policy, 443–59CrossRefGoogle Scholar
Niemi, J. ‘Overindebted households and law: prevention and rehabilitation in Europe’, in Niemi, J., Ramsay, I. and Whitford, W. C. (eds.), Consumer Credit, Debt & Bankruptcy – Comparative and International Perspectives (Hart), 91104Google Scholar
Nogler, L. and Reifner, U. (eds.) (2014) Life Time Contracts (Eleven)Google Scholar
Observatoire des crédits aux ménages (2008) Rapport d’activité FBF (Paris)Google Scholar
Observatoire des crédits aux ménages (2009) Rapport d’activité FBF (Paris)Google Scholar
OCR Macro (2001) Study of the Problem of Consumer Indebtedness: Statistical Aspects, Report submitted to the Commission of the EU DG Health and Consumer Protection, Contract No. B5-1000/00/000197 (October)Google Scholar
Odudu, O. (2011) ‘Indirect information exchange: the constituent elements of hub and spoke collusion’, 7(2) European Competition Journal, 205–42CrossRefGoogle Scholar
OECD (2011) G-20, High-Level Principles on Financial Consumer Protection (OECD Publishing, October)Google Scholar
OECD (2014) ‘Household debt’, in OECD Factbook 2014: Economic, Environmental and Social Statistics (OECD Publishing), at http://dx.doi.org/10.1787/factbook-2014-27-enGoogle Scholar
OECD (2016) Financial Education in Europe: Trends and Recent Developments (OECD Publishing) Google Scholar
OECD (2017) G20/OECD INFE Report on Ensuring Financial Education and Consumer Protection in the Digital Age (OECD Publishing)Google Scholar
OEE Etudes (2008) Towards a Common European Operational Definition of Over-Indebtedness, Report prepared for the use of the European Commission, Directorate-General for Employment, Social Affairs and Equal Opportunities (February)Google Scholar
Office of Fair Trading (2010) Consumer Credit Licensing: General Guidance for Licensees and Applicants on Fitness and Requirements (London)Google Scholar
Office of Fair Trading (2011) Irresponsible Lending – OFT Guidance for Creditors (March 2010, updated February)Google Scholar
Oksanen, A., Aaltonene, M. and Rantala, K. (2015) ‘Social determinants of debt problems in a Nordic welfare state: a Finnish register-based study’, 38 Journal of Consumer Policy, 229: 246Google Scholar
Olegario, R. (2003) ‘Credit reporting agencies: a historical perspective’, in Miller, M. J. (ed.), Reporting Systems and the International Economy (MIT Press), 115–59Google Scholar
Omar, N. A. et al. (2014) ‘Compulsive buying and credit card misuse among credit card holders: the roles of self-esteem, materialism, impulsive buying and budget constraints’, 10(1) Intangible Capital, 5274CrossRefGoogle Scholar
Ong, R. et al. (2013), ‘Channels from housing wealth to consumption’, 28(7) Housing Studies, 1012–36CrossRefGoogle Scholar
Osovsky, A. (2013) ‘The misconception of the consumer as a homo economicus: a behavioral–economic approach to consumer protection in the credit-reporting system’, 46(3) Suffolk University Law Review, 881933Google Scholar
Ottaviani, C. and Vandone, D. (2011) ‘Impulsivity and household indebtedness: evidence from real life’, 32 Journal of Economic Psychology, 754–61CrossRefGoogle Scholar
Ottaviani, C. and Vandone, D (2018) ‘Financial literacy, debt burden, and impulsivity: a mediation analysis’, 46 Economic Notes, 439–54Google Scholar
Packin, N. G. and Aretz, L. (2016) ‘On social credit and the right to be unnetworked’, 2 Columbia Business Law Review, 339–425Google Scholar
Pagano, M. and Jappelli, T. (1993) ‘Information sharing in credit markets’, 48(5) Journal of Finance, 1693718CrossRefGoogle Scholar
Papastamou, and Spyrakos, (2013)The amendments of Law 3869/2010 about the over-indebted individuals’ debt settlement by Law 4161/2013 (ΝοΒ)Google Scholar
Parent, W. A. (1983) ‘Privacy, morality and the law’, 12 Philosophy and Public Affairs, 269–88Google Scholar
Pasquale, F. (2015) The Black Box Society (Harvard University Press)CrossRefGoogle Scholar
Patel, A., Balmer, N. J. and Pleasence, P. (2012) ‘Debt and disadvantages: the experience of unmanageable debt and financial difficulty in England and Wales’, 36 International Journal of Consumer Studies, 556–65CrossRefGoogle Scholar
Patton, J. H., Stanford, M. S. and Barratt, E. S. (1995) ‘Factor structure of the Barratt impulsiveness scale’, 51 Journal of Clinical Psychology, 768–743.0.CO;2-1>CrossRefGoogle ScholarPubMed
Paul, J. et al. (eds.) (2000) The Right of Privacy (Cambridge University Press)Google Scholar
Pearson, G. (2008) ‘Financial literacy and the creation of financial citizens, in the future of consumer credit regulation’, in Kelly-Louw, M. et al. (eds.), The Future of Consumer Credit Regulation (Ashgate), 328Google Scholar
Pennock, J. R. and Chapman, J. W. (eds.) (1971) XIII – Privacy (Nomos)Google Scholar
Peppet, S. R. (2011) ‘Unraveling privacy: the personal prospectus and the threat of a full disclosure future’, 105(3) Northwestern University Law Review, 1153204Google Scholar
Pirog, S. F. and Roberts, J. A. (2007) ‘Personality and credit card misuse among college students: the mediating role of impulsiveness’, 15(1) Journal of Marketing Theory and Practice, 6577CrossRefGoogle Scholar
Posner, R. A. (1981) The Economics of Justice (Harvard University Press)Google Scholar
Posner, R. A (1995) ‘contract law in the welfare state: a defense of the unconscionability doctrine, usury laws, and related limitations on the freedom to contract’, 24 Journal of Legal Studies, 283319CrossRefGoogle Scholar
Pottow, J. A. E. (2007) ‘Private liability for reckless consumer lending’, 1 University of Illinois Law Review, 405–65Google Scholar
Potts, G. F. et al. (2006) ‘Reduced punishment sensitivity in neural systems of behavior monitoring in impulsive individuals’, 397 Neuroscience Letters, 130–4CrossRefGoogle ScholarPubMed
Poulton, E. C. (1994) Behavioural Decision Theory (Cambridge University Press)CrossRefGoogle Scholar
Preacher, K. J. and Hayes, A. F. (2008) ‘Asymptotic and resampling strategies for assessing and comparing indirect effects in multiple mediator models’, 40 Behavior Research Methods, 879–91CrossRefGoogle ScholarPubMed
PricewaterhouseCoopers (2015) ‘Is it time for consumer lending to go social?’ (February), at www.pwc.lu/en/fintech/docs/pwc-fintech-time-for-consumer-lending-to-go-social.pdfGoogle Scholar
Psichomanis (2014) Debt settlement of over-indebted individualsGoogle Scholar
Putrova, N. (2014) ‘Default entitlements in personal data in the proposed regulation: informational self-determination off the table … and back on again’, 30 Computer Law and Security Review, 624Google Scholar
Rachels, J. (1975) ‘Why privacy is important’, 4 Philosophy and Public Affairs, 323–33Google Scholar
Ramos, D. et al. (2016) ‘Protecting mobile money customer funds in civil law jurisdictions’, 65 International and Comparative Law Quarterly, 705–39CrossRefGoogle Scholar
Ramsay, I. (1997) ‘Models of consumer bankruptcy. Implications for research and policy’, 20(2) Journal of Consumer Policy, 269–87CrossRefGoogle Scholar
Ramsay, I. (2003) ‘Bankruptcy in transition: the case of England and Wales – the neo-liberal cuckoo in the European bankruptcy nest?’, in Niemi, J., Ramsay, I. and Whitford, W. C. (eds.), Consumer Credit, Debt & Bankruptcy – Comparative and International Perspectives (Hart), 205–26Google Scholar
Ramsay, I. (2005) ‘From truth in lending to responsible lending’, in Howells, G. et al. (eds.), Information Rights and Obligations (Ashgate), 4765Google Scholar
Ramsay, I.  (2007a) Consumer Law and Policy (Hart)Google Scholar
Ramsay, I.  (2007b) ‘Comparative consumer bankruptcy’, 1 University of Illinois Law Review, 241–73Google Scholar
Ramsay, I.  (2010) ‘Regulation of consumer credit’, in Howells, G. et al. (eds.), Handbook of Research on International Consumer Law (Edward Elgar), 366408Google Scholar
Ramsay, I.  (2012a) ‘Between neo-liberalism and the social market: approaches to debt adjustment and consumer insolvency in the EU’, 35 Journal of Consumer Policy, 421–41CrossRefGoogle Scholar
Ramsay, I.   (2012b) ‘A tale of two debtors: responding to the shock of over-indebtedness in France and England – a story from the trente piteuses’, 75(2) Modern Law Review, 212–48CrossRefGoogle Scholar
Ramsay, I.  (2015) ‘Two cheers for Europe: austerity, mortgage foreclosures and personal insolvency policy in the EU’, in Micklitz, H.-W. and Domurath, I. (eds.), Consumer Debt and Social Exclusion in Europe (Ashgate), 189227Google Scholar
Ramsay, I.  (2017) Personal Insolvency in the 21st Century (Hart)Google Scholar
Rasmussen, K. M. and Zenios, S. A. (2007) ‘Well ARMed and FiRM: diversification of mortgage loans for homeowners’, 10 Journal of Risk, 6784CrossRefGoogle Scholar
Regan, P. M. (1995) Legislating Privacy (University of North Carolina Press)Google Scholar
Reifner, U. et al. (2003)Consumer Overindebtedness and Consumer Law in the European Union, Final Report, Contract Ref. B5-1000/02/000353 (September)Google Scholar
Reisch, L. A. and Gwozdz, W. (2010) ‘Financial cultures in Europe: similarities and differences’, in Micklitz, H.-W. (ed.), Consumer Loans and the Role of Credit Bureaus in Europe (EUI Working Papers RSCAS 2010/44), 13Google Scholar
Richards, N. M. and King, J. H. (2013) ‘Three paradoxes of big data’, 66 Stanford Law Review Online, 41–6Google Scholar
Riestra, A. S. J. (2002) ‘Credit bureaus in today’s credit markets’, ECRI Research Report no. 4 (Brussels, September)Google Scholar
Robb, C. (2011) ‘Financial knowledge and credit card behavior of college students’, 32 Journal of Family and Economic Issues, 690–8CrossRefGoogle Scholar
Rook, D. W. (1987) ‘The buying impulse’, 14(2) Journal of Consumer Research, 189–99CrossRefGoogle Scholar
Rott, P. (2014) ‘Consumer credit’, in Reich, N. et al. (eds.), European Consumer Law (Intersentia), 197238Google Scholar
Rouvroy, A. and Poullet, Y. (2009) ‘The right to informational self-determination and the value of self-development: reassessing the importance of privacy for democracy’, in Gutwirth, S. et al. (eds.), Reinventing Data Protection? (Springer), 4576CrossRefGoogle Scholar
Rowlingson, K., Gardner, J. and Appleyard, L. (2016) ‘Responsible lending in the UK: what role does the state play?’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 105–23Google Scholar
Russell, H., Whelan, C. T. and Maitre, B. (2013) ‘Economic vulnerability and severity of debt problems: an analysis of the Irish EU–SILC 2008’, 29 European Sociological Review, 695706CrossRefGoogle Scholar
Ryder, N., Griffiths, M. and Singh, L. (2012) Commercial Law: Principles and Policy (Cambridge University Press)CrossRefGoogle Scholar
Salina, K. and Siti Rahayi, H. (2016) ‘Do marketing strategies have significant influence on usage of credit cards? Empirical evidence from Malaysia’, 24 Journal of Social Sciences & Humanities, 179–92Google Scholar
Sandage, S. A. (2005) Born Losers: A History of Failure in America (Harvard University Press)CrossRefGoogle Scholar
Savage, M. (2015) Social Class in the 21st Century (Pelican)Google Scholar
Scanlon, T. (1975) ‘Thomson on privacy’, 4 Philosophy and Public Affairs, 323–33Google Scholar
Scharpf, F. W. (2002) ‘The European social model: coping with the challenges of diversity’, 40 Journal of Common Market Studies, 645–70CrossRefGoogle Scholar
Schmidt, V. A. and Thatcher, M. (eds.) (2013) Resilient Liberalism in Europe’s Political Economy (Cambridge University Press)CrossRefGoogle Scholar
Schoeman, D. (ed.) (1984) Philosophical Dimensions of Privacy: An Anthology (Cambridge University Press)CrossRefGoogle Scholar
Schooley, D. K., Drecnik, D. and Worden, D. D. (2010) ‘Fueling the credit crisis: who uses consumer credit and what drives debt burden?’, 45(4) Business Economics, 266–76CrossRefGoogle Scholar
Schweitzer, M. E. and Barkley, B. (2017) ‘Is fintech good for small business borrowers? Impacts on firm growth and customer satisfaction’, Federal Reserve Bank of Cleveland Working PaperCrossRefGoogle Scholar
Sealy, L. (2004) ‘Publication review – consumer bankruptcy in global perspective’, 63(2) Cambridge Law Journal, 518–20Google Scholar
Shen, H. and Ziderman, A. (2009) ‘Student loans repayment and recovery: international comparisons’, 57 Higher Education, 315–33CrossRefGoogle Scholar
Shui, H. and Ausubel, L. M. (2004) ‘Time inconsistency in the credit card market’, 14th Annual Utah Winter Finance ConferenceCrossRefGoogle Scholar
Siemens, J. C. (2007) ‘When consumption benefits precede costs: towards an understanding of “buy now, pay later” transactions’, 20(5) Journal of Behavioral Decision Making, 521–31CrossRefGoogle Scholar
Simitis, S. (1995) ‘From the market to the polis: the EU Directive on the Protection of Personal Data’, 80 Iowa Law Review, 445–69Google Scholar
Smith, A. (1976) The Theory of Moral Sentiments (1759) (Liberty Classics)Google Scholar
Smith, A (1981) An Inquiry into the Nature and Causes of the Wealth of Nations (1776) (Liberty Classics)Google Scholar
Spooner, J. (2013) ‘Fresh start or stalemate? European consumer insolvency law reform and the politics of household debt’, 3 European Review of Private Law, 747–94Google Scholar
Staten, M. and Cate, F. (2004) ‘Does the Fair Credit Reporting Act promote accurate credit reporting?’, Working Paper Series BABC 04–14, Joint Center for Housing Studies (Harvard University, February)Google Scholar
Stauder, B. and Favre-Bulle, X. (2004) Droit de la consommation. Loi sur les voyages à forfait, Code des obligations, articles 40a–40f CO. Loi sur le crédit à la consommation. Commentaire (Helbing Lichtenhahn)Google Scholar
Stiglitz, J. E. (2007) Making Globalization Work (Norton)Google Scholar
Stiglitz, J. E. and Weiss, A. (1981) ‘Credit rationing in markets with imperfect information’, 71(3) American Economic Review, 393410Google Scholar
Stromholm, S. (1967) Right of Privacy and Rights of the Personality (Norstedt)Google Scholar
Sugawara, N. and Zalduendo, J. (2011) ‘Stress-testing Croatian households with debt implications for financial stability’, World Bank Policy Research, Working Paper no. 5906Google Scholar
Sunstein, C. R. (2006) ‘Boundedly rational borrowing’, 73 University of Chicago Law Review, 249–70Google Scholar
Sutschet, H. (2016) ‘An analysis of the German legal framework and the (limited) influence of EU law’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 207–23Google Scholar
Sweet, E. et al. (2013) ‘The high price of debt: household financial debt and its impact on mental and physical health’, 91 Social Science & Medicine, 94100CrossRefGoogle Scholar
Szyszczak, E. et al. (eds.) (2011) Developments in Services of General Interest (Springer)CrossRefGoogle Scholar
Tangney, J. P. et al. (2004) ‘High self-control predicts good adjustment, less pathology, better grades, and interpersonal success’, 72(2) Journal of Personality, 271324CrossRefGoogle ScholarPubMed
Tasikas (2011) The credit institution’s obligation for assessment of the consumer’s creditworthiness in consumer credit (NoB)Google Scholar
Thakor, A. V. (2011) ‘Incentives to innovate and financial crises’, 103(1) Journal of Financial Economics, 130–48Google Scholar
Thomas, L. C. (2000) ‘A survey of credit and behavioural scoring: forecasting financial risk of lending to consumers’, 16(2) International Journal of Forecasting, 149–72CrossRefGoogle Scholar
Thomson, J. J. (1975) ‘The right to privacy’, 4 Philosophy and Public Affairs, 295314Google Scholar
Tooth, R. (2012) Behavioural Economics and the Regulation of Consumer Credit (New Zealand Law Foundation, August), at www.srgexpert.com/wp-content/uploads/2015/08/Consumer-Credit-Behavioural-Economics-Case-Study-2012-Final.pdfGoogle Scholar
Tribe, J. (2016) ‘Consumer protection problems created by the structure of English personal insolvency law’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-Indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 125–49Google Scholar
Trumbull, G. (2014) Consumer Lending in France and America (Cambridge University Press)CrossRefGoogle Scholar
Turinetti, E. and Zhuang, H. (2011) ‘Exploring determinants of U.S. household debt’, 27(6) Journal of Applied Business Research, 8591CrossRefGoogle Scholar
Turner, A. (2016) Between Debt and the Devil: Money, Credit and Fixing Global Finance (Princeton University Press)Google Scholar
Turner, M. A. and Varghese, R. (2010) The Economic Consequences of Consumer Credit Information Sharing: Efficiency, Inclusion, and Privacy (OECD)Google Scholar
Turner, M. A. and Walker, P. (2015) Predicting Financial Account Delinquencies with Utility and Telecom Payment Data (PERC Press, May), at www.perc.net/wp-content/uploads/2015/05/Alt-Data-and-Traditional-Accounts.pdfGoogle Scholar
Vandone, D. (2001) L’intervento delle banche italiane nel mercato delle carte di pagamento (Edizioni ISU)Google Scholar
Vandone, D (2009) Consumer Credit in Europe: Risks and Opportunities of a Dynamic Industry (Springer-Verlag)CrossRefGoogle Scholar
Vandone, D. and Anderloni, L. (2014) ‘Vulnerabilità e benessere delle famiglie italiane’, in Andriani, L. (ed.), La fragilità al tempo della crisi: tra vulnerabilità economica e nuove forme di tutela (Franco Angeli editore), 1979Google Scholar
Vandone, D. and Anderloni, L. (2016) ‘The dimension of over-indebtedness in Italy and the characteristics of the over-indebted households’, in Ferretti, F. (ed.), Comparative Perspectives of Consumer Over-indebtedness – A View from the UK, Germany, Greece and Italy (Eleven), 291314Google Scholar
Vandone, D., Anderloni, L. and Bacchiocchi, E. (2012) ‘Household financial vulnerability: an empirical analysis’, 66 Research in Economics, 284–96Google Scholar
Venieris, I. and Katsas, T. (2016) Application of Law 3869/2010 on the Insolvency of Over-Indebted Individuals (Nomiki Vivliothiki)Google Scholar
Verplanken, B. and Sato, A. (2011) ‘The psychology of impulse buying: an integrative self-regulation approach’, 34 Journal of Consumer Policy, 197210CrossRefGoogle Scholar
Viavoice (2015) Introductory Report Towards a ‘Second Chance’ Legislation in Europe (February)Google Scholar
Voss, G. (2014) ‘Looking at European Union data protection law reform through a different prism: the proposed EU General Data Protection Regulation two years later’, 17(9) Journal of Internet Law, 1224Google Scholar
Wang, Lu and Malhotra, N. K. (2011) ‘Demographics, attitude, personality and credit card features correlate with credit card debt: a view from China’, 32 Journal of Economic Psychology, 179–93CrossRefGoogle Scholar
Warren, S. D. and Brandeis, L. (1890) ‘The right to privacy’, 4 Harvard Law Review, 193220CrossRefGoogle Scholar
Watson, S. (2009) ‘Credit card misuse, money attitudes, and compulsive buying behaviors: a comparison of internal and external locus of control (LOC) consumers’, 43 College Student Journal, 268–75Google Scholar
Weatherill, S. (2010) ‘Competence and European private law’, in Twigg-Flesner, C. (ed.), The Cambridge Companion to European Private Law (Cambridge University Press)Google Scholar
Weatherill, S (2013) EU Consumer Law and Policy (Edward Elgar)CrossRefGoogle Scholar
Weiss, B. (1986) The Hell of the English: Bankruptcy and the Victorian Novel (Bicknell University Press)Google Scholar
Westin, A. F. (1967) Privacy and Freedom (Atheneum)Google Scholar
Whitman, J. Q. (2007) ‘Consumerism versus producerism: a study in comparative law’, 117 Yale Law Journal, 340406CrossRefGoogle Scholar
Williams, T. (2013)‘Continuity, not rupture: the persistence of neoliberalism in the internationalisation of consumer finance regulation’, in Wilson, T. (ed.), International Responses to Issues of Credit and Over-Indebtedness (Ashgate)Google Scholar
Willis, L. (2008) ‘Evidence and ideology in assessing the effectiveness of financial literacy education’, University of Pennsylvania Law School, Research paper no. 8Google Scholar
Willis, L. (2011) ‘The financial education fallacy’, 101 American Economic Review, 429–34CrossRefGoogle Scholar
Wittmann, M. and Paulus, M. P. (2008) ‘Decision making, impulsivity and time perception’, 12(1) Trends in Cognitive Sciences, 712CrossRefGoogle ScholarPubMed
World Bank (2013) Responsible Lending – Overview of Regulatory Tools (October)Google Scholar
World Bank (2014) Global Financial Development Report 2014: Financial Inclusion, at https://openknowledge.worldbank.org/handle/10986/16238Google Scholar
Wright, J. D. (2007) Behavioral law and economics, paternalism, and consumer contracts: an empirical perspective’, 2 NYU Journal of Law and Liberty, 470511Google Scholar
Xiao, J. J. (2015) Consumer Economic Wellbeing (Springer)CrossRefGoogle Scholar
Yobas, M. B. and Crook, J. N. (2000) ‘Credit scoring using neural and evolutionary techniques’, 11 IMA Journal of Mathematics Applied in Business and Industry, 111–25Google Scholar
Zajaczkowski, S. and Zochowski, D. (2007) ‘The distribution and dispersion of debt burden ratios among households in Poland and its implications for financial stability’. 28 Proceeding of the IFC Conference Measuring the Financial Position of the Household Sector, 6274Google Scholar
Zavadil, T. and Messner, T. (2014) ‘Regional differences in household wealth across Slovakia’, Working and Discussion Papers OP 1/2014 (National Bank of Slovakia)Google Scholar
Zermatten, A. et al. (2005) ‘Impulsivity and decision making’, 193(10) Journal of Nervous and Mental Disorders, 647–50CrossRefGoogle ScholarPubMed
Zetzsche, D. A. et al. (2017) ‘From fintech to techfin: the regulatory challenges of data-driven finance’, EBI Working Paper Series no. 6CrossRefGoogle Scholar
Zhang, et al. (2015) Sustaining Momentum – the 2nd European Alternative Finance Industry Report (Cambridge University)Google Scholar
Zhang, (2016a) Sustaining Momentum, the 2nd European Alternative Finance Industry Report, Cambridge Centre for Alternative Finance (Cambridge University)Google Scholar
Zhang, (2016b) The 2015 UK Alternative Finance Industry Report, Cambridge Centre for Alternative Finance (Cambridge University)Google Scholar
Ziegel, J. S. (1999) ‘The philosophy and design of contemporary consumer bankruptcy systems: a Canada–United States comparison’, 37 Osgoode Hall Law Journal, 205CrossRefGoogle Scholar
Ziegel, J. S (2006) ‘Facts on the ground and reconciliation of divergent consumer insolvency philosophies’, 7 Theoretical Inquiries in Law, 299322CrossRefGoogle Scholar

Save book to Kindle

To save this book to your Kindle, first ensure coreplatform@cambridge.org is added to your Approved Personal Document E-mail List under your Personal Document Settings on the Manage Your Content and Devices page of your Amazon account. Then enter the ‘name’ part of your Kindle email address below. Find out more about saving to your Kindle.

Note you can select to save to either the @free.kindle.com or @kindle.com variations. ‘@free.kindle.com’ emails are free but can only be saved to your device when it is connected to wi-fi. ‘@kindle.com’ emails can be delivered even when you are not connected to wi-fi, but note that service fees apply.

Find out more about the Kindle Personal Document Service.

Available formats
×

Save book to Dropbox

To save content items to your account, please confirm that you agree to abide by our usage policies. If this is the first time you use this feature, you will be asked to authorise Cambridge Core to connect with your account. Find out more about saving content to Dropbox.

Available formats
×

Save book to Google Drive

To save content items to your account, please confirm that you agree to abide by our usage policies. If this is the first time you use this feature, you will be asked to authorise Cambridge Core to connect with your account. Find out more about saving content to Google Drive.

Available formats
×