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Transparency of Price Conditions in Consumer Credit: The Usage of the APR

In: New Issues in Financial and Credit Markets

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  • Massimo Caratelli

Abstract

Several studies have addressed the issue of consumer credit. Its influence on banks’ profits, factors that inspired borrowing decisions, and over-borrowing have been investigated. More recently, studies have dealt with the theme of transparency of price conditions. There are two main reasons why more attention is being paid to this topic: first, the weakening of the oligopolistic structure of the credit market, which has induced credit providers to avail themselves of new competitive levers; secondly, the renewed guidelines on supervision, which are now more focused on promoting individual comparative skills and preventing information overload.

Suggested Citation

  • Massimo Caratelli, 2010. "Transparency of Price Conditions in Consumer Credit: The Usage of the APR," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Franco Fiordelisi & Philip Molyneux & Daniele Previati (ed.), New Issues in Financial and Credit Markets, chapter 11, pages 144-156, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-0-230-30218-1_12
    DOI: 10.1057/9780230302181_12
    as

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