Pre-agreement assessment as a responsible lending tool in South-Africa, the EU and Belgium : Part 2

Show simple item record Van Heerden, C.M. (Corlia) Steennot, Reinhard 2018-12-07T07:26:06Z 2018-12-07T07:26:06Z 2018-03-19
dc.description.abstract Responsible lending has become a very pertinent issue on the agenda of credit regulators across the globe who seek to combat the causes of consumer over-indebtedness. In this context the use of "pre-agreement assessment" as a tool to filter out those instances where, based on a consumer's creditworthiness or ability to repay, credit should not be granted to such a consumer, is a feature common to the lending regimes of various jurisdictions. This contribution consists of two parts: Part 1 provides a critical discussion of the reckless credit provisions of the National Credit Act 34 of 2005. Part 2 details the responsible lending measures contained in the EU Consumer Credit Directive and the EU Mortgage Credit Directive and provides an appraisal of the responsible lending measures introduced by Belgium, being a jurisdiction that has always been very pro-active in the context of consumer credit protection. en_ZA
dc.description.department Mercantile Law en_ZA
dc.description.librarian am2018 en_ZA
dc.description.uri en_ZA
dc.identifier.citation Van Heerden C.M. and Steennot R. "Pre-Agreement Assessment as a Responsible Lending Tool in South-Africa, the EU and Belgium: Part 2" PER / PELJ 2018(21) - DOI 10.17159/1727-3781/2018/v21i0a2954. en_ZA
dc.identifier.issn 1727-3781 (online)
dc.identifier.other 10.17159/1727-3781/2018/v21i0a2954
dc.language.iso en en_ZA
dc.publisher Academy of Science of South Africa en_ZA
dc.rights This work is licensed under a Creative Commons Attribution 4.0 International License. en_ZA
dc.subject Responsible lending en_ZA
dc.subject Reckless credit granting en_ZA
dc.subject Pre-agreement assessment en_ZA
dc.subject Affordability en_ZA
dc.subject Creditworthiness en_ZA
dc.subject European Union (EU) en_ZA
dc.subject Belgium en_ZA
dc.title Pre-agreement assessment as a responsible lending tool in South-Africa, the EU and Belgium : Part 2 en_ZA
dc.type Article en_ZA

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