Beata Pachuca-Smulska - Business Law Journal - Journals

Dr Beata Pachuca-Smulska

ORCID: 0000-0002-8340-470X

Assistant Professor at the Warsaw University of Technology in the Department of Administrative Law and Public Policy at the Faculty of Administration and Social Sciences. She is a also a registered legal advisor and a member of the District Chamber of Legal Advisors in Warsaw. Beata Pachuca-Smulska's research focuses primarily on the Polish and EU public economic law, administrative law, competition law and consumer rights particularly as they relate to the markets for financial services and food products.

Article

The cross-border regulation in Directive 2008/48/EC on consumer credit — an assessment after the ten years it has been in force, s. 26-34

DOI: 10.33226/0137-5490.2020.9.4

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The cross-border regulation in Directive 2008/48/EC on consumer credit — an assessment after the ten years it has been in force

The article analyses the cross border principle and the creation of the uniform market in the area of consumer credit in the EU as formulated by Directive 2008/48/EC. It focuses on selected aspects of the Directive: the scope of the Directive, application of maximum harmonization, and consumer credit assessment. The main goal is to assesses how the cross-border principle has been applied over the past 10 years based on the EU and national regulations, verdicts of the Court of Justice of the European Union as well as EU documents.

Keywords: consumer; consumer credit; Directive 2008/48/EC; credit assessment; maximum harmonization; cross-border