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2013, vol. 30, br. 10-12, str. 1-10
Potrošačko kreditiranje u Evropskoj uniji
aUniverzitet Privredna akademija u Novom Sadu, Pravni fakultet za privredu i pravosuđe
bLavoslav Ružička University in Vukovar, Vukovar, Croatia

e-adresamarijana.dukic.mijatovic@gmail.com, sanja.gongeta@gmail.com
Ključne reči: potrošačko kreditiranje; zaštita potrošača; Evropska unija; regulatorni okvir
Sažetak
Modaliteti zaštite potrošača kod potrošačkog kreditiranja u državama članicama Evropske unije su osigurani posebnom direktivom Evropskog parlamenta i Veća (Direktiva 2008/48/EZ o ugovorima o potrošačkom kreditu). Iako je ovo područje u Evropskoj uniji regulisano direktivama još od 1987. godine (Direktiva 87/102/EEZ), zbog ekonomske krize sve više je dolazilo do izražaja da potrošač, kao slabija ugovorna strana, nije zaštićen u dovoljnoj meri. Direktiva 2008/48/EZ o ugovorima o potrošačkom kreditu zasnovana je na načelu maksimalne harmonizacije, te uređuje minimalni zakonodavni okvir za svaku od država članica.
Reference
*** (1986) The Council Directive of 22nd December 1986 for the approximation of the laws, regulations and administrative provisions of the Member States concerning consumer credit (87/102/EEC). OJ L, 42
*** (2008) The Directive 2008/48/EC of the European Parliament and of the Coluncil of 23rd April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC. OJ, L 133
Čulinović-Herc, E. (2005) Consumer protection in some bank contracts: Compliance with European Law. ZPFR, vol. 26, No 1
Faure, M. (2008) Towards a maximum harmonization of Consumer Contract Law. Maastricht Journal of European and Comparative Law
Foster, N. (2010) EU Treaties & Legislation 2010-2011. Oxford University Press Inc, 21st edition
Grandov, Z., Đokić, M. (2009) Oglašavanje i zaštita potrošača. Pravo - teorija i praksa, vol. 26, br. 11-12, str. 67-79
Howells, G., Schulze, R. (2009) Overview of the proposed consumer rights Directive. u: Howells G., Schulze R. [ur.] Modernizing and Harmonizing Consumer Contract Law, 8
Jovanić, T. (2004) Consumer credit: Legal economic aspects. The Association of Banks of Republic of Serbia
Loos, M.B.M. (2008) Review of the European Consumer Acquis, Sellier. Munich: European law publishers
Micklitz, H.W. (2009) The targeted full harmonization approach: Looking behind the curtain. u: Howells G., Schulze R. [ur.] Modernizing and Harmonizing Consumer Contract Law
Micklitz, H.W., Reich, N. (2009) Cronica de una Muerte Anunciada: The Commission proposal for a Directive on consumer rights. Common Market Law Review, 46
Pasula, D. (2007) Consumer protection in the contract of distancion sale: The European and national law. Pravo - teorija i praksa, br. 1-2
Petrić, S. (2007) Consumer Credit Agreement. u: Zvonimir Slakoper [ur.] Banking and Financial contracts
Poncibo, C. (2009) Some Thoughts on the Methodological Approach to EC Consumer Law Reform, 21 Loyola Consumer Law Review
Uzelac, O., Protić, D. (2011) Some legal aspects of electronic trade. Pravo - teorija i praksa, vol. 28, br. 10-12, str. 101-109
van Boom, W.H. (2009) The Draft Directive on Consumer Rights: Choices Made & Arguments Used. Journal of Contemporary European Research, 5(3): 10
Weatherill, S. (2005) EU consumer law and policy. Cheltenham: Edward Edgar
Wilhelmsson, T. (2008) Full harmonization of Consumer Contract Law?. Zeitschrift für Europäisches Privatrecht
Wilhelmsson, T. (2004) The Abuse of the “Confident Consumer” as a Justification for EC Consumer Law. Journal of Consumer Policy, 27(3): 317-337
 

O članku

jezik rada: engleski
vrsta rada: izvorni naučni članak
objavljen u SCIndeksu: 29.01.2014.

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