Consumer Credit Regulation and Rights-based Social Justice: Addressing financial exclusion and meeting the credit needs of low-income Australians

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Author(s)
Wilson, Therese
Griffith University Author(s)
Year published
2012
Metadata
Show full item recordAbstract
A lack of access to safe and affordable small amount credit is experienced by approximately 15.6 per cent of Australians. Financial exclusion of this kind leads to social exclusion, and arises as a result of social inequity and economic discrimination in the consumer credit market. In this article I argue that it is a matter of rights-based social justice that this inequity be addressed through consumer credit regulation.A lack of access to safe and affordable small amount credit is experienced by approximately 15.6 per cent of Australians. Financial exclusion of this kind leads to social exclusion, and arises as a result of social inequity and economic discrimination in the consumer credit market. In this article I argue that it is a matter of rights-based social justice that this inequity be addressed through consumer credit regulation.
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Journal Title
University of New South Wales Law Journal
Volume
35
Issue
2
Copyright Statement
© 2012 University of New South Wales. The attached file is reproduced here in accordance with the copyright policy of the publisher. Use hypertext link to access the journal's website.
Subject
Commercial and Contract Law
Law