The marketing of consumer and mortgage credit as a responsible lending tool : a comparison of South African, European and Belgian Law : Part 1

dc.contributor.authorRenke, Stefan
dc.contributor.authorSteennot, Reinhard
dc.contributor.emailstefan.renke@up.ac.zaen_ZA
dc.date.accessioned2020-06-01T21:14:29Z
dc.date.available2020-06-01T21:14:29Z
dc.date.issued2020-01-22
dc.description.abstractThe vulnerability of prospective credit consumers to over-committing their resources and the inherent dangers posed by credit advertising in particular necessitate the proper regulation of credit marketing. It is therefore not unsurprising that responsible marketing forms part of the responsible lending (and borrowing) measures of various jurisdictions – including South Africa and the Member States of the European Union – with the aim of preventing the extension of credit to consumers who cannot afford it. In this article the credit marketing laws that the South African, European (mainly in the Consumer Credit and Mortgage Credit Directives) and Belgian legislators have enacted are considered and compared, with a focus on the information to be included in advertising, prohibited advertising and prohibited marketing techniques. The ultimate aim is to determine whether South African law contains sufficient guarantees to protect consumers with respect to credit marketing and its consequences.en_ZA
dc.description.departmentMercantile Lawen_ZA
dc.description.librarianam2020en_ZA
dc.description.urihttps://journals.assaf.org.za/index.php/per/indexen_ZA
dc.identifier.citationRenke S. and Steennot R. "The Marketing of Consumer and Mortgage Credit as a Responsible Lending Tool: A Comparison of South African, European and Belgian Law: Part 1" PER / PELJ 2020(23) - DOI http://dx.DOI.org/ 10.17159/1727-3781/2020/v23i0a6206en_ZA
dc.identifier.issn1727-3781 (online)
dc.identifier.other10.17159/1727-3781/2020/v23i0a6206
dc.identifier.urihttp://hdl.handle.net/2263/74808
dc.language.isoenen_ZA
dc.publisherAcademy of Science of South Africaen_ZA
dc.rightsThis work is licensed under a Creative Commons Attribution 4.0 International License.en_ZA
dc.subjectMarketingen_ZA
dc.subjectConsumer crediten_ZA
dc.subjectCompulsory informationen_ZA
dc.subjectProhibited advertisingen_ZA
dc.subjectProhibited marketing techniquesen_ZA
dc.subjectCivil remediesen_ZA
dc.subjectAdministrative sanctionsen_ZA
dc.subjectMortage crediten_ZA
dc.subjectLendingen_ZA
dc.subjectSouth African lawen_ZA
dc.subjectEuropean lawen_ZA
dc.subjectBelgian lawen_ZA
dc.titleThe marketing of consumer and mortgage credit as a responsible lending tool : a comparison of South African, European and Belgian Law : Part 1en_ZA
dc.typeArticleen_ZA

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