This paper aims to inform banks, consumers, researchers, consumer protection organizations and other stakeholders for the importance of these regulations as well as raising some other related issues to be addressed for the protection of mortgage loan consumers. In 2014, EU political reasoning...

This is a doctoral dissertation. Personal financial planning is an interdisciplinary practice that draws many of its tools and techniques from the fields of finance, economics, law, taxation, and investment theory. The profession's body of knowledge is dominated by research devoted to these...

The paper comments on the importance of legal instruments in consumer protection field. We focused on the role of the European Commission, as guardian of European Union (EU) law and policies, which may initiate legal procedures to guarantee compliance with EU legislation. Thus, we analysed the...

The article encompasses the four main zones of incidence, in the Romanian legislation, of the consumer’s right to retract the prior consent, namely the contracts concluded outside commercial spaces, contracts agreed at distance, including electronic bargains, credits offered to consumers and...

We study parents' demand for insurance and protection in a Beckerian context. Parents derive utility from the household's material living standard and number of children and there is a trade-off between the two. Several important new results emerge. These include ; first, a duality between how...

Global Recession to Global Recovery: It is well known fact that all good things, as also bad things, come to an end and business cycles pass through good and bad economic times. Economically 2010 was a year of transition from economic recession to recovery. Economies were improving in some...

New technologies that allow families to easily tailor their media consumption undermine the pervasiveness rationale for government regulation of content. Both the variety of family programming options now available and new technologies, such as digital video recorders (DVRs) and video on demand...

American public administration as a whole is based on the United States Constitution and historical founding eras. As for public administration, it is based on constitutional, democratic, political, and administrative values. “The American founders gave us a constitutional system that embraces...

Use of the wide variety of available technological controls, household media rules and other private sector efforts are a much better alternative to government regulation to address concerns about children's exposure to violence on television. Lawmakers should be wary of policies that could be...