The Future of High-Cost Credit: Rethinking Payday Lending PDF
265 Pages·2022·5.856 MB·English
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This book proposes a new way of thinking about the controversial and complex challenge of regulating high-cost credit, with a specific focus on payday lending. These products have received significant attention in both the media and the political arena, but remain underexplored from an academic perspective. The inadequacy of regulatory interventions has created ongoing problems in the market, particularly when credit is provided to individuals who are already financially vulnerable.Two specific gaps in the existing literature are tackled in the book. First, the inadequate analysis of the relevant philosophical concepts around high-cost credit, which can result in an oversimplification of particularly complex legal and social issues. Secondly, the lack of engagement in both the high-cost credit market and lived experience of borrowers, resulting in limited understanding of those who use these financial products.The Future of High-Cost Credit explores the theoretical grounding, policy initiatives and interdisciplinary perspectives associated with high-cost credit, making a novel and insightful contribution to the existing literature. The problems with debt extend far beyond the legal sphere, and the book will therefore be of interest to many other academic disciplines, as well as for those working in public policy and ‘the third sector’.Hart Studies in Commercial and Financial Law: Volume 7
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