Consumer Credit Law and Practice - A Guide (5th Revised edition)

Consumer Credit Law and Practice - A Guide (5th Revised edition)

By: Dennis Rosenthal (author), Graham Haxton-Bernard (contributor)Hardback

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Description

"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.

About Author

Author Dennis Rosenthal "Nobody can touch Dennis in technical knowledge on consumer credit. Very contactable - his accessibility is second to none. He does everything he can to help." Chamber UK 2018 Dennis is a barrister at Henderson Chambers. His work covers the entire range of consumer credit law. This includes advising on, and drafting, consumer credit and hire agreements of all kinds, regulated and unregulated, secured and unsecured, exempt agreements, credit card agreements, timeshare agreements, premium finance agreements, asset finance agreements; related documents, statements and notices, both pre-and post-contract. He advises on and drafts security documentation and issues, mortgages, bridging loans, guarantees, logbook loans, bills of sale and pawn receipts, including enforceability and priority issues. He has acted as adviser to the Consumer Credit Trade Association for over 30 years. Contributor Graham Haxton-Bernard is Head of Legal, Compliance and Regulatory Affairs at Consumer Credit Trade Association.

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

Product Details

  • ISBN13: 9781784518363
  • Format: Hardback
  • Number Of Pages: 560
  • ID: 9781784518363
  • ISBN10: 1784518360
  • edition: 5th Revised edition

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