Orchestrating sub-prime consumer protection in retail banking: Abbey National in the context of europeanised private law

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dc.contributor.author Kenny, Mel en
dc.date.accessioned 2012-10-10T15:08:25Z
dc.date.available 2012-10-10T15:08:25Z
dc.date.issued 2011
dc.identifier.citation Kenny, M. (2011) Orchestrating sub-prime consumer protection in retail banking: Abbey National in the context of europeanised private law. European Review of Private Law, Vol. 19 (1), pp.43-69. en
dc.identifier.issn 09289801
dc.identifier.uri http://hdl.handle.net/2086/7546
dc.description.abstract Abbey National contains a knot of domestic, doctrinal and European legal issues and provides a valuable insight into how the Common law deals with the ‘Europeanization’ of private law. The case concerned the extent of bank charges, in respect of unauthorized overdrafts and challenged by customers because of their perceived unfairness under the Unfair Terms in Consumer Contracts Regulations 1999 (UTCCR); regulations transposing Directive 93/13/EEC on Unfair Terms in Consumer Contracts. The case thus provides a national orchestration of a Europeanized standard of consumer protection in retail banking. In analysing these issues attention turns to: (1) Abbey National in the context of domestic doctrine and implementation and interpretation of EU law (Part II); (2) the German approach to bank charges as a counterpoint to analysis (Part III); (3) the tenor of European Court of Justice (ECJ) consumer protection case law and its reception in national courts (Part IV). These developments are placed in the context of the Commission’s promotion of the codification agenda and conclusions follow on the sub-prime standard of consumer protection seen in Abbey National, the implications for legal doctrine and concerns on the coherence and integrity of the Europeanized legal order (Part V). en
dc.language.iso en en
dc.publisher Kluwer Law en
dc.subject Consumer protection en
dc.subject Banking en
dc.subject European Union law en
dc.subject Unfair contract terms en
dc.subject Harmonisation en
dc.title Orchestrating sub-prime consumer protection in retail banking: Abbey National in the context of europeanised private law en
dc.type Article en
dc.ref2014.selected 1365424292_0711160248422_20_1


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