Online peer-to-peer lending: challenging consumer protection rationales, orthodoxies and models?
Osuji, Onyeka K.
Journal of Business Law
Sweet & Maxwell, Thomson Reuters
This is the author accepted manuscript.
Reason for embargo
Online peer-to-peer lending presents challenges to consumer protection rationales and orthodoxies as it enables inter-consumer unsecured loan transactions brokered by platforms. This article therefore assesses relevant consumer protection justifications and the disclosure versus interventionist approaches debate in the light of the crowdfunding regulatory regime recently established by the Financial Conduct Authority.
Journal of Business Law, 2015, 6, 484-508