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| Author: | Ferretti, F. |
| Title: | 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 |
| Journal: | Journal of Consumer Policy
2010 : MAR, VOL 33:1, p. 1-27 |
| Index terms: | credit markets supervision consumers europe |
| Language: | eng |
| Abstract: | This article discusses the role of credit registries in European consumer credit markets and the current policies of EU in this area. It seeks to show the institutional challenges relating to some competing rights or interests amongst consumers and financial institutions. This article emphasizes the need for a strengthened prudential supervision of the financial system as evidenced by the recent crisis whose effects have reached the global economy. The article attempts to present some weaknesses of the current arrangements and to put forward a proposal that is probably controversial but that is intended to stimulate a debate from alternative policy perspectives. |
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