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Regulating Unfair Banking Practices in Europe
The Case of Personal Suretyships
Edited by Aurelia Colombi Ciacchi and Stephen Weatherill
608 pages
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234x156mm
978-0-19-959455-9
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Hardback
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19 August 2010
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- Analyses the law and economic context of suretyships in 22 EU Member States, paving the way for potential legal reform and harmonisation
- Clear layout and common structure allows for easy comparisons between jurisdictions
- Offers a comparative perspective of fairness across the jurisdictions of the EU, allowing for further analysis of European banking practices
Private persons often stand surety for a business debt incurred by family members, friends, or employers. These suretyships are commonly banking guarantees contracted by means of standard terms. Sometimes the guarantor signs the contract while he/she is not aware of the financial risk related to the guarantee. He or she may not even know what a suretyship is. But in other circumstances the guarantor may be well aware of the risk, but may nonetheless assume it because of strong emotional ties which exist between him/her and the main debtor. How, then, (if at all) does the law
address the potential for 'unfairness' in such situations?
Some systems choose to rely on objective criteria, such as identification of a manifest disproportion between the guaranteed amount and the surety's income and assets, while others are more open to subjective inquiry. The key point is variation. Different jurisdictions in Europe operate different models with different priorities.
This book provides a comparative overview of the remedies against unfair obligations of non-professional guarantors available in 22 EU Member States, based on a questionnaire which has been completed by an expert in each particular jurisdiction and covering both legal rules and the economic context of different credit markets and banking
practices.Readership: Scholars and practitioners of banking law, and comparative private law.
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Edited by Aurelia Colombi Ciacchi, Senior Researcher, Law Faculty; Senior Lecturer, Hanse Law School, University of Bremen, and Stephen Weatherill, Professor of European Law, Law Faculty & Somerville College, Oxford University Contributors:
Professor Anne-Sophie Barthez, University of Cergy Pontoise
Dr Aurelia Colombi Ciacchi, Hanse Law School, University of Bremen
Professor Dr Florin Ciutacu, Ecological University, Bucharest
Dr James Devenney, Durham University
Mr Yannis Erifillidis, University of Athens
Professor Wolfgang Faber, University of Salzburg
Dr
Roxana Family, University of Cergy Pontoise
Dr Francesca Fiorentini, University of Trieste
Professor Morton M. Fogt, University of Aarhus
Dr. Matthias Haentjens, University of Amsterdam
Professor Dr Klaus Heine, University for Health Sciences, Medical Informatics and Technology, Vienna
Dr Ruth Janal, Freie Universität Berlin
Dr Mel Kenny, Leeds University
Mr Theis Klauberg, bnt legal & tax, Riga
Professor Irene Kull, University of Tartu
Ms Inga Lobocka, European University Institute, Florence
Professor Tuulikki Mikkola, University of Lapland
Professor Dr Jorge Sinde Monteiro, University of Coimbra
Dr Patrick O'Callaghan, Newcastle University
Dr
Aoife O'Donoghue, Durham University
Professor Lorna Fox O'Mahony, Durham University
Dr André Dias Pereira, University of Coimbra
Professor Annina H. Persson, University of Stockholm
Professor Teresa Rodriguez de las Heras Ballell, University Carlo III, Madrid
Professor Peter Rott, University of Bremen
Professor Vincent Sagaert, University of Leuven and the University of Antwerp
Professor Andrius Smaliukas, University of Vilnius
Professor Dr Lesley Jane Smith, University of Lüneburg, and Riga Graduate School of Law
Dr Spelca, Meznar University of Ljubljana
Dr Gintautas Sulija, University of Vilnius
Professor Tibor Tajti, Central European University, Budapest
Dr
Sophie Vigneron, University of Kent
Professor Steven Weatherill, University of Oxford
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1: A. Colombi Ciacchi and S. Weatherill: Regulating Unfair Suretyships in Europe: Methodology of a Comparative Study
2: K. Heine and R. Janal: Suretyships and Consumer Protection in the European Union through the Glases of Law and Economics
3: A. Colombi Ciacchi and S. Weatherill: Remarks from a Comparative and EU Perspective
Country Reports
4: W. Faber: Austria
5: V. Sagaert: Belgium
6: M. M. Fogt: Denmark
7: L. Fox O'Mahony, J. Devenney, and M. Kenny: England and Wales
8: I. Kull: Estonia
9: T. Mikkola: Finland
10: S. Vigneron, A.-S. Barthez, and R. Family: France
11: P. Rott: Germany
12: Y. Erifillidis: Greece
13: T. Tajti: Hungary
14: P. O'Callaghan and A O'Donoghue: Ireland
15: F. Fiorentini: Italy
16: T. Klauberg: Latvia
17: A. Smaliukas and G. Sulija: Lithuania
18: M. Haentjens: The Netherlands
19: I. Lobocka: Poland
20: J. Sinde Monteiro and A. D. Pereira: Portugal
21: F. Ciutacu: Romania
22: L.J. Smith: Scotland
23: S. Meznar: Slovenia
24: T. Rodriguez de las Heras Ballell: Spain
25: A. H. Persson: Sweden
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The specification in this catalogue, including without limitation price, format, extent, number of illustrations, and month of publication, was as accurate as possible at the time the catalogue was compiled. Occasionally, due to the nature of some contractual restrictions, we are unable to ship a specific product to a particular territory. Jacket images are provisional and liable to change before publication.
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