{"title":"Iain Ramsay","description":null,"products":[{"product_id":"consumer-law-and-policy-book-iain-ramsay-9781841135052","title":"Consumer Law and Policy","description":"Consumer law and policy has developed significantly since the first edition of this book. This fully revised edition takes into account these developments while maintaining much of the structure of the earlier edition. This edition includes material on the effects of globalisation, the many European initiatives, the growth of a new regulatory state in the UK and changes in the theory and practice of regulation of consumer markets. It incorporates recent legislative and judicial developments of the law, blending substantial extracts from primary legal materials such as case law, policy documents, and legislative materials, with a policy framework that includes references to comparative approaches. It includes a case study of the regulation of unfair terms in consumer contracts by the Office of Fair Trading, and discussion of the role of consumer law and policy in electronic commerce and the regulation of markets for consumer services. The book provides a critical introduction to the legal regulation of consumer markets by situating it within the context of broader debates about rationales for regulation, the role of the state and the growth of neo-liberalism.","brand":"WoB","offers":[{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":49585546920209,"sku":"GOR004110071","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1841135054.jpg?v=1751280737"},{"product_id":"personal-insolvency-in-the-21st-century-book-iain-ramsay-9781509932177","title":"Personal Insolvency in the 21st Century","description":"Since 1979 the world has witnessed a remarkable cycle of personal insolvency law reform. Changes in capitalist economies, financial crises and political interest groups all contributed to this cycle of reform. This book examines the role of interest groups and distinct narratives in shaping reform in different countries while drawing attention to the role of timing, path dependency and unintended consequences in the development of personal insolvency law.  The book presents case studies of personal insolvency law in the US, France, Sweden, and England and Wales. It then analyses how, following the Great Recession of 2008, international financial institutions paid greater attention to the significance of household debt in contributing to financial instability and the role of individual insolvency law in providing a fresh start. Personal insolvency law reform became part of EU responses to the eurozone crisis and the EU has proposed harmonisation of individual insolvency law to promote entrepreneurialism. This book examines the extent to which these developments represent an emerging international commonsense about personal insolvency and its relationship to neo-liberalism. Finally, this book discusses whether the international emergence of individual personal insolvency law represents a progressive step or a band-aid for the costs of neo-liberal policies, where a significant number of people live close to the precipice of over-indebtedness.","brand":"WoB","offers":[{"title":"GB \/ NEW \/ INGRAM","offer_id":52145003102481,"sku":"NLS9781509932177","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/9781509932177.jpg?v=1757591559"},{"product_id":"personal-insolvency-in-the-21st-century-book-iain-ramsay-9781849468091","title":"Personal Insolvency in the 21st Century","description":"Since 1979 the world has witnessed a remarkable cycle of personal insolvency law reform. 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