Providing Loans to Consumers through Peer-to-peer Lending in the Context of Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on Credit Agreements for Consumers

Heseková Simona () and Katkovčin Maroš ()
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Heseková Simona: Associate professor at the Comenius University in Bratislava, Department of Financial Law focusing scientifically on various issues in the area of financial market law.
Katkovčin Maroš: Assistant professor at the Comenius University in Bratislava, Department of Financial Law focusing scientifically on various issues in the area of financial market law, commercial law and public procurement law.

European Studies - The Review of European Law, Economics and Politics, 2024, vol. 11, issue 1, 251-273

Abstract: This paper focuses on the examination of the peer-to-peer lending areas defined with regard to the new Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers and repealing Directive 2008/48/EC and the original draft Consumer Credit Directive 2021/0171 with regards to the Slovak Republic specificities in the area of peer-to-peer lenging. Furtherhore this paper presents the results of the analysis of peer-to-peer lending in the Slovak Republic based on the absence of studies assessing peer-to-peer lending legislative regulations in individual countries, in terms of i) the nature of peer-to-peer lending in the Slovak Republic from the perspective of peer-to-peer lending entities in the Slovak Republic, ii) the strictness of legislative regulation of peer-to-peer lending on the financial market in the Slovak Republic, iii) the corporate nature of companies providing peer-to-peer lending services, iv) the controversial aspects of peer-to-peer lending in the context of the decision-making practice of courts.

Keywords: peer-to-peer lending; crowdfunding; directive on credit agreements for consumers; financial market; investors; peer-to-peer lending platform (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:vrs:eurstu:v:11:y:2024:i:1:p:251-273:n:1011

DOI: 10.2478/eustu-2024-0011

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