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.
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Latest Posts
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Woolard Review of unsecured credit: preliminary thoughts
Media coverage of the recent Woolard Review here of unsecured credit has focused primarily on its recommendations for regulation of the buy now pay later…
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What to do about financial Velociraptors? Barclays Final Notice and FCA Regulation
Last week the FCA imposed a fine of £26 million on Barclays for several contraventions of its regulatory obligations to treat fairly customers in…
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Breathing Spaces and Early Intervention: Some Issues
The government has now published draft regulations for a ‘breathing space’ for individuals with problem debt in England and Wales (see here). The breathing space…
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Contract law, social force majeure and adjusting consumer credit contracts
The Coronavirus pandemic has spawned a raft of responses to address potential debt problems faced by businesses and individuals (see here). For example, the most…
