The ECRC congratulates the University of Tartu and those involved in the organisation of a regional responsible credit event to take place on 26 September 2013 in Tallinn, Estonia. We hope that other ECRC colleagues will also attend the seminar on high cost consumer credit and learn from the fascinating list of speakers that are getting together there. The ECRC is very much interested in its outcome and where possible will share any papers that are available. We also hope that this event will encourage others to organise stakeholder conferences of their own.
Please find a message from the organiser of the event below and please try and register if you can.
please find attached the programme of the seminar "Consumer Credit in Nordic-Baltic Area: from SMS-Loans to Responsible Lending?" taking place in Tallinn (Estonia) on 26 September 2013.
The seminar is free of charge but subject to registration by e-mail to me or email@example.com before 20 August 2013. The seminar is in English and will concentrate on the usurious lending practices of instant consumer credit as well as the principle of responsible lending in Nordic-Baltic countries.
If you are interested in participation, please register ASAP as the places are limited.
Best wishes and have a nice summer,
dr.iur. Karin Sein
tsiviilõiguse dotsent/Senior Lecturer of Civil Law õigusteaduskond/Faculty of Law Tartu Ülikool/University of Tartu firstname.lastname@example.org
“Consumer Credit in Nordic-Baltic Area: From SMS-Loans to Responsible Lending?”
26 September 2013, Tallinn
Von Stackelberg Hotel Tallinn, Toompuiestee 23
9.45-10.00 Registration and coffee
10.00-10.15 Opening Remarks
Representative of the Estonian Ministry of Justice
Moderator: Dr. Karin Sein, Associate Professor of Civil Law, University of Tartu, Estonia
10.15-10.40 "Consumer Credit and Responsible Lending in Norway."
Prof. Kåre Lilleholt, University of Oslo, Norway
10.40-11.05 “Swedish Law and the Market for Short Term Consumer Credits - Problems and Challenges.”
Dr. Niklas Arvidsson, Associate Professor, University of Lund, Sweden
11.05-11.30 “Preventing Over-Indebtedness by Legal Means - the Danish Perspective.”
Tanja Jørgensen, PhD, Associate Professor, University of Aarhus, Denmark
11.30-11.55 "Legislative Reforms in Finland - in particular the Price Regulation of Small Consumer Credits."
Katri Kummoinen, Senior adviser, legislative affairs, Ministry of Justice, Finland
Moderator: Dr. iur. Urmas Volens, Lecturer, University of Tartu, Estonia
13.30-13.55 “SMS Loan and "Free" Pica: Reality of Responsible Lending in Latvia.”
Dr. Inga Kačevska, Assistant Professor, University of Latvia
13.55-14.20 “Legal and Practical Issues of the Consumer Credit: Lithuanian Experience.”
Dr. Danguole Bubliene, Lecturer, University of Vilnius, Lithuania
14.20-14.35 “Raising Consumers’ Awareness About Their Responsibilities and Rights.”
Keit Hints, Head of Finance & Communications division, Estonian Consumer Protection Board
14.35-14.50 “Fighting Usurious Practices in Consumer Credit – Expectations and Reality in Estonia.”
Dr. Karin Sein, Associate Professor of Civil Law, University of Tartu, Estonia
15.15-15.35 Coffee Break
15.35-15.50 “Legislative Measures for Promoting Responsible Lending in Estonia.”
Kristiina Koll, Adviser, Private Law Division, Ministry of Justice, Estonia
15.50-16.05 “Consumer Credit – Business as Usual? Prudential Supervision Perspective.”
Kilvar Kessler, LL.M (Georgetown), Member of the Management Board, Estonian Financial Supervisory Authority
16.05-16.45 Discussion and Closing Remarks