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Consumer debt problems and the image of the consumer in Swedish consumer credit regulation

In: Debt and Austerity

Author

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  • Ann-Sofie Henrikson

Abstract

In 2018, the Swedish Consumer Credit Act introduced new rules aimed at reducing the number of unpaid high-cost credits. These rules, taking into consideration potential behavioral weaknesses, are based on a modernized and potentially more accurate image of the consumer borrower than the traditional one of an active, responsible and rational borrower. The introduction of new rules for instant loans reveals a paradigm shift in the Swedish legislature´s perception of the consumer borrower which could be used as a basis for changing the rules in other areas of consumer credit regulation.

Suggested Citation

  • Ann-Sofie Henrikson, 2020. "Consumer debt problems and the image of the consumer in Swedish consumer credit regulation," Chapters, in: Jodi Gardner & Mia Gray & Katharina Moser (ed.), Debt and Austerity, chapter 11, pages 240-259, Edward Elgar Publishing.
    • Handle: RePEc:elg:eechap:19627_11
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