Table of Contents

Foreword; Lord Borrie of Abbots Morton. Introduction: Consumer Protection in Financial Services -- Putting the Law in Context; P. Cartwright. Part I: Themes and Trends in Financial Services. 1. The European Union, Financial Services and the Consumer; A. Morner. 2. The Ombudsmen and Consumer Protection; P. Morris, G. Little. Part II: Banking. 3. Bank Confidentiality and the Consumer in the United Kingdom; A. Campbell. 4. Unilateral Variation in Banking Contracts: An 'Unfair Term'? E. Lomnicka. 5. Deposit Guarantees and the Individual Bank Customer; P. Cartwright. Part III: Financial Services and Investments. 6. Financial Services Regulation: Can History Teach Us Anything? S. Chin. 7. Pensions and the Consumer: Lessons from Overseas; D. Harris, S. Jones. 8.. Some Consumer Problems Relating to the Sale of Long Term Insurance; R. Bragg. Part IV: Insurance. 9. Insurance Law Reform for the Benefit of the Consumer: Some Lessons from Australia; J. Birds. 10. Consumer Protection in Insurance Contracts; C. Willet, N. Hird. Part V: Consumer Credit. 11. Seeking Social Justice for Poor Consumers in Credit Markets; G. Howells. 12. Racial and Gender Equality in Markets for Financial Services; I. Ramsay, T. Williams. Index.