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First, it seeks to discover the problematic areas of consumer credit supply within the post-crisis lending environment across the EU

First, it seeks to discover the problematic areas of consumer credit supply within the post-crisis lending environment across the EU

From this history, the purpose of this informative article is twofold.

Next, it tries to evaluate as to what extent the 2008 credit rating Directive is fit for the purpose as far as the consumer protection against irresponsible lending practices is concerned today. The analysis commences by having a exploration regarding the general concept of “responsible lending” within the context of customer credit—that is, unsecured credit given to individual, home, or domestic purposes.