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 have recently published a book Personal Insolvency in the 21st Century: A Comparative Analysis of the US and Europe and am currently studying comparative approaches to addressing the issue of “No Income: No Asset” debtors, including the English Debt Relief Order. I am also interested in emerging international paradigms of credit regulation since the Great Recession of 2008.
About this site
Start here
Latest Posts
-
The Debt Relief Order–Ten Years on
April 2019 marks the tenth anniversary of the implementation of the English Debt Relief Order, a low-cost (£90 fee), means-tested, administrative procedure only accessible online…
-
Insolvency Service identifies problems with “volume IVA” providers
Volume providers dominate the IVA market in England and Wales. The Insolvency Service published on 26th September, 2018 a review of the monitoring and regulation…
-
Consumer Credit Regulation: Learning from US History?
What can we learn from the history of regulation of small sum high-cost lending? Anne Fleming, in a thoughtful, carefully researched, and stimulating book, City…
-
Household Finances, Income Saving and Debt: A Modest Report by the Treasury Committee
The Treasury Select Committee published today its report Household Finances: Income, Saving and Debt and in this blog I focus on its consideration of household…
