Reverse engineering: cât de relevantă este dobânda anuală efectivă pentru transparenţa preţului creditului?
Reverse engineering: how relevant is the annual percentage rate
of charge for the transparency of consumer credit cost?
Author(s): Lucian BerceaSubject(s): Law, Constitution, Jurisprudence, Commercial Law
Published by: Universul Juridic
Keywords: consumer credit; unfair term; loan price; annual percentage rate of charge (APRC); price transparency; Court of Justice of the European Union; law and economics;
Summary/Abstract: This study analyses, from a law and economics perspective, the evolution of the Court of Justice of the European Union case law on the relevance of the annual percentage rate of charge on price transparency in consumer credit agreements in Pohotovosť (2010), Kásler (2014), Matei (2017), and Kiss (2019) cases. The study criticizes the annihilation of the original function of this indicator of ensuring the transparency of credit costs.
Journal: Analele Universității de Vest din Timișoara - Seria Drept
- Issue Year: 2019
- Issue No: 2
- Page Range: 25-48
- Page Count: 23
- Language: Romanian