Maggiore tutela per le famiglie difronte allo sfruttamento e agli abusi: si aspirano maggiori sicurezze nei rapporti creditizi. La terza conferenza di Brema su „i contratti di garanzia sleali nell’ allargatasi Unione Europea” si terrà il 3 e il 4 novembre 2007. I membri della ECRC si ricorderanno certamente del laboratorio „Familia e credito“, tenutosi alla conferenza di Bruxelles, presieduto da Aurelia Ciacchi, in occasione del quale sociologi, fornitori di servizi finanziari, giuristi ed esponenti di associazioni a tutela del consumatore hanno discusso dei rapporti tra famiglia e credito. La Conferenza di Brema si soffermerà in particolare sui contratti di garanzia con le famiglie e si propone di preparare un’ ampia pubblicazione sul tema, che potrebbe influenzare in maniera determinante gli sviluppi del credito responsabile in Europa e che dovrebbe avere degli effetti sulla proposta di direttiva, la quale nulla dice a proposito. Questo progetto dimostra, in modo esemplare, come sulla base di conquiste nazionali è possibile un’ unificazione, senza che tali possibilità vengano eliminate attraverso un semplicistico modello economicamente efficiente da Bruxelles. La Conferenza si colloca nell’ ambito del più ampio progetto “Transfer of Knowledge” (TOK): tutela nei confronti di contrtti di garanzia sleali nell’ ambito dell’ Unione Europea, che negli ultimi tre anni, ha coordinato la ricerca e diffuso nuove intuizioni sul tema. CONFERENCE FOCUS This year’s conference has a twofold focus: First, the law of the Member States which had not been represented in our project so far, especially the new Member States. Second, the interactions between legal solutions concerning non-professional suretyships and their socio-economic context. I enclose the preliminary programme for the conference for your inspection. This conference will also serve as a discussion forum for the preparation of the third and last joint publication of this project: the book “Unfair Suretyships in European Law”, to be published in 2007. This book, edited by Prof. Stephen Weatherill (University of Oxford) and Dr. Aurelia Ciacchi will not only include the papers presented at this third conference, but also, possibly, a new version of the national reports presented at the previous conference held in Bremen on 14-15 October 2005, which will be published this year in the book “Protection of Non-professional Sureties in Europe: Formal and Substantive Disparity”, edited by myself. COMPARATIVE ANALYSIS In order to facilitate both the comparative analysis of the Member States’ solutions for protection from unfair suretyships, and the interactions between these solutions and the socio-economic context where they have been developed, a questionnaire has been prepared. The following items will be covered ITEMS 1. Suretyships a frequent banking practice? 2. Demarcation between commercial suretyships and consumer suretyships? 3. To what extent are suretyships responsible for personal or family indebtedness? 4. Criteria of Unfairness? 5. Which law provides protection? When was it enacted, how does jurisprudence apply it in practice? What are the sanctions? Is it effective and high level? 6. Impact of creditor debtor relationship on the guarantor’s position? 7. Other non-legal protection? 8. Propositions for amelioration CONTACT For those interested in participating please contact the Bremen Project at http://www.unfairsuretyships.uni-bremen.de/ ID: 37770 Author(s): iff Publication date: 27/06/06     URL(s): Bremen/Oxford Project on Unfair Suretyships

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