Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account

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Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account. / Stanescu, Catalin Gabriel.

In: Journal of Consumer Policy, Vol. 44, No. 2, 2021, p. 179-216.

Research output: Contribution to journal › Journal article › Research › peer-review

Harvard

Stanescu, CG 2021, 'Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account', Journal of Consumer Policy, vol. 44, no. 2, pp. 179-216. https://doi.org/10.1007/s10603-020-09476-8

APA

Stanescu, C. G. (2021). Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account. Journal of Consumer Policy, 44(2), 179-216. https://doi.org/10.1007/s10603-020-09476-8

Vancouver

Stanescu CG. Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account. Journal of Consumer Policy. 2021;44(2):179-216. https://doi.org/10.1007/s10603-020-09476-8

Author

Stanescu, Catalin Gabriel. / Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account. In: Journal of Consumer Policy. 2021 ; Vol. 44, No. 2. pp. 179-216.

Bibtex

@article{20e0d40e5d644e569907a59e40ff707d,
title = "Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account",
abstract = "The article seeks to establish, in a comprehensive manner, if and how abusive debt collection practices are regulated in the respondent EU MS. Using empirical data gathered from consumer and supervisory agencies as well as debt collection associations in 26 EU Member States, it provides an insight into (a) the existence of a licensing regime for debt collectors; (b) the potential transboundary dimension of debt collection and its implications for the common market; (c) the types of abusive debt-collection practices encountered in the EU MS; (d) the efficacy of self-regulation via Codes of Conduct; and (e) the potential traditional remedies available to consumer-debtors. The article concludes that the existence of different national models creates potential issues and discrepancies in the legal status and defences available to consumer-debtors across the EU, which ultimately affects the proper functioning of the single credit servicing market. The advocated solution is that of a harmonized sector-specific regulation of abusive debt collection practices at EU level.",
author = "Stanescu, {Catalin Gabriel}",
year = "2021",
doi = "10.1007/s10603-020-09476-8",
language = "English",
volume = "44",
pages = "179--216",
journal = "Journal of Consumer Policy",
issn = "0168-7034",
publisher = "Springer",
number = "2",

}

RIS

TY - JOUR

T1 - Regulation of Abusive Debt Collection Practices in the EU Member States. An Empirical Account

AU - Stanescu, Catalin Gabriel

PY - 2021

Y1 - 2021

N2 - The article seeks to establish, in a comprehensive manner, if and how abusive debt collection practices are regulated in the respondent EU MS. Using empirical data gathered from consumer and supervisory agencies as well as debt collection associations in 26 EU Member States, it provides an insight into (a) the existence of a licensing regime for debt collectors; (b) the potential transboundary dimension of debt collection and its implications for the common market; (c) the types of abusive debt-collection practices encountered in the EU MS; (d) the efficacy of self-regulation via Codes of Conduct; and (e) the potential traditional remedies available to consumer-debtors. The article concludes that the existence of different national models creates potential issues and discrepancies in the legal status and defences available to consumer-debtors across the EU, which ultimately affects the proper functioning of the single credit servicing market. The advocated solution is that of a harmonized sector-specific regulation of abusive debt collection practices at EU level.

AB - The article seeks to establish, in a comprehensive manner, if and how abusive debt collection practices are regulated in the respondent EU MS. Using empirical data gathered from consumer and supervisory agencies as well as debt collection associations in 26 EU Member States, it provides an insight into (a) the existence of a licensing regime for debt collectors; (b) the potential transboundary dimension of debt collection and its implications for the common market; (c) the types of abusive debt-collection practices encountered in the EU MS; (d) the efficacy of self-regulation via Codes of Conduct; and (e) the potential traditional remedies available to consumer-debtors. The article concludes that the existence of different national models creates potential issues and discrepancies in the legal status and defences available to consumer-debtors across the EU, which ultimately affects the proper functioning of the single credit servicing market. The advocated solution is that of a harmonized sector-specific regulation of abusive debt collection practices at EU level.

U2 - 10.1007/s10603-020-09476-8

DO - 10.1007/s10603-020-09476-8

M3 - Journal article

C2 - 33518857

VL - 44

SP - 179

EP - 216

JO - Journal of Consumer Policy

JF - Journal of Consumer Policy

SN - 0168-7034

IS - 2

ER -

ID: 247687052