Legal Issues in Consumer Lending - Emphasis on Current Developments - Research Writing Assignment Help

Assignment Task :

How to address the assignment requirements:

The student will be required to:

1.   Review the current literature on consumer lending with emphasis on current developments.

2.   Identify relevant issues relating to consumer lending by banks.

You should read at least two research papers on each issue, analyse their findings and summarise their results of these research after critical analysis of each paper. Every one is required to discuss at least five of the nine issues mentioned below.

Some of the issues identified in the literature are: 

a. Legal issues in consumer lending. 

What are the laws and regulation in place for consumer lending and how these laws ensure that consumers are treated fairly in the market 

Cite some laws, discuss their implications on the business of consumer lending by banks. Discuss some recent developments, particularly those relating to coronavirus.

b.  Market for consumer lending – Demand, supply, availability of credit.

How the consumer lending market has been affected by changes in employment, economic factors such as migration, changes in peoples perception and attitudes.

c. Current trends in consumer lending- in Australia or world wide- look at some of the data available with regulatory agencies like RBA and analyse the trends, up and down of consumer lending of consumer lending business. Examine the reasons for these changes.

d.  Pricing – Interest rates, fees, penalties.

How banks and service providers set interest rates and fees on various types of consumer loans. What are the reasons for charging penalties from the customers particularly for non repayment or default.

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