Making payday loans safer: The Australian approach to regulating small and medium sized loans
Howell, Nicola (2017) Making payday loans safer: The Australian approach to regulating small and medium sized loans. In Fairweather, Karen, O'Shea, Paul, & Grantham, Ross (Eds.) Credit, Consumers and the Law: After the Global Storm. Routledge (Taylor & Francis Group), Abingdon, Oxon New York, NY Routledge.
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In mid-2013, national price regulation for consumer credit came into effect in Australia, driven largely by concerns about payday loans and other small, short-term loans. As explained by the Australian Government at the time of laws passing, the reforms had been introduced ‘to reduce the financial harm caused by lenders who ruthlessly impose excessive fees and charges simply because vulnerable consumers cannot obtain alternative access to credit’. These changes have brought some finality to a long and heated debate about the need or otherwise for ‘bright-line’ price regulation and/or other forms of regulation to respond to concerns about payday loans...
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|Item Type:||Book Chapter|
|Keywords:||consumer credit, payday loans, small loans, price regulation, responsible lending, consumer protection|
|Subjects:||Australian and New Zealand Standard Research Classification > LAW AND LEGAL STUDIES (180000) > LAW (180100) > Commercial and Contract Law (180105)|
|Divisions:||Current > Research Centres > Commercial & Property Law Research Centre
Current > QUT Faculties and Divisions > Faculty of Law
Current > Schools > School of Law
|Deposited On:||23 Nov 2015 03:01|
|Last Modified:||29 Nov 2016 02:54|
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