Consumer Vulnerability and Welfare in Mortgage Contracts

Irina Domurath is a post-doctoral researcher at the University of Amsterdam, where she is working on housing markets and law. Previously, she has worked at the German Federal Ministry of Justice and Consumer Protection and the Universities of Copenhagen and Iceland.

I. Context
II. Themes and Aims
III. Questions and Structure

1. Theoretical Framework
I. Introduction
II. Duality of Aims in EU Consumer Law
III. Normative Preconceptions
IV. Conclusions

2. Vulnerability to Welfare Losses through Privatisation
I. Introduction
II. Privatisation: Credit versus Welfare
III. Welfare Losses
IV. Vulnerability to Welfare Losses
V. Conclusions

3. Vulnerability in EU Mortgage Contract Law
I. Introduction
II. Vulnerability in EU Mortgage Contract Law
III. Conclusions

4. A Flexible Mortgage Contract Law
I. Introduction
II. Relational Vulnerability
III. Event Vulnerability
IV. Lack of Resilience
V. Conclusions

5. Theoretical Framework Revisited
I. Welfarist EU Mortgage Contract Law?
II. Justice in EU Mortgage Credit Law