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This blog is about international developments in credit, debt and insolvency. I am Iain Ramsay and I conduct comparative and international research on credit, debt and insolvency. I am currently on a Leverhulme Trust research fellowship studying the development of personal insolvency systems since 1979 in Europe and the US. In Europe I include case studies of France, the UK, and Sweden and then speculate on the future development of EU regulation in the wake of the Great Recession, the subsequent Eurozone crisis and imposition of austerity regimes in several countries. I will be posting material related to the study as it progresses as well as including material on current consumer credit developments in the UK, EU and internationally.