BANKING AND INSURANCE PRODUCTS
ACTIVITIES: DOSSIER OF LEGISLATION

 

Index

4th SUBJECT: Over-indebtedness.

DOCUMENTS


- Over-indebtedness in consumption societies. ADICAE Technical Team.

- Consumer Over-indebtedness: Report of the Economic and Social Council of Spain. The consumer rights and the market transparency. Report of the Economic and Social Council of Spain. Approved in the plenary session of the Economic and Social Council (CES), held the day 17th February 1999.

- Over-indebtedness of the Spanish families: an international comparison. By Ana del Río, from the Studies Services of the Bank of Spain. September 2002

- The over-indebtedness of the families: juridical and political perspectives. Juridical study in the framework of collaboration between the General Direction of Consumption of the “Junta de Comunidades de Castilla-La Mancha” and the Centre of Consumption Studies of the University of Castilla-La Mancha. By Iván Jesús Trujillo Díez, Doctor in Law, Professor of Civil Law, University of Castilla-La Mancha.
NATIONAL LEGISLATION

- Articles of diverse laws that affect the question of over-indebtedness.
Civil Code. Real Decree of 24th July of 1889. Fourth Book: about Obligations and contracts.

- Law of Usury Suppression of 23 July of 1908 (Altered by the Law 1/2000, of 7th January of Civil Suit)

- Law of hire purchase of personal property, law 28/1998, of 13 July.

- The over-indebtedness in the consumer protection plan. Strategic plan of consumer protection 2002-2005

- Proposals for a legal regulation of the families over-indebtedness

- Belgian Regulation of the collective regulation of debts. Law of 5th July of 1998, concerning the collective regulation of debts and the possibility of friendly sale of real state properties that have been distrained, Belgium, 31st July 1998

- French regulation with respect to consumers over-indebtedness.

EUROPEAN LEGISLATION

- Directive of consumer credit and the question of over-indebtedness. Report about the application of the Directive 87/102/CEE, that is relating to the approximation of legal, regulating and administrative dispositions of the Member States regarding consumer credit.

- The position of the Economic and Social Council in the question of over-indebtedness “Report about the families over-indebtedness” (CES 212/2000 fin) approved on 2nd July of 2000.

DICTA AND PROPOSALS

- Protection of over-indebted consumer: a lack in our legal system. ADICAE Technical Team.


This project is being sponsored by the DG SANCO of the European Commission and the National Institute of Consumption of Spain.
   
 
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