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dc.contributor.authorvan Heerden, Corlia Maritha
dc.contributor.authorSteennot, Reinhard
dc.date.accessioned2018-06-15T07:55:26Z
dc.date.available2018-06-15T07:55:26Z
dc.date.issued2018
dc.identifier.citationVan Heerden, C.M. & Steennot, R. 2018. Pre-agreement assessment as a responsible lending tool in South-Africa, the EU and Belgium: part 1. Potchefstroomse elektroniese regsblad = Potchefstroom electronic law journal. 2018(21)1-30. [https://doi.org/10.17159/1727-3781/2018/v21i0a2950]en_US
dc.identifier.issn1727-3781
dc.identifier.urihttp://hdl.handle.net/10394/27574
dc.identifier.urihttps://doi.org/10.17159/1727-3781/2018/v21i0a2950
dc.description.abstractResponsible 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_US
dc.language.isoenen_US
dc.publisherPERen_US
dc.subjectResponsible lendingen_US
dc.subjectreckless credit grantingen_US
dc.subjectpre-agreement assessmenten_US
dc.subjectaffordabilityen_US
dc.subjectcreditworthinessen_US
dc.titlePre-agreement assessment as a responsible lending tool in South-Africa, the EU and belgium: part 1en_US
dc.typeArticleen_US


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