https://unilib.phaidrabg.rs/o:2362 http://creativecommons.org/licenses/by/4.0/legalcode eng srp Pravo - teorija i praksa 30(10-12) Consumers’ lending in the European Union Potrošačko kreditiranje u Evropskoj uniji application/pdf 622838 bytes info:eu-repo/semantics/article 2013 Dukić Mijatović, Marijana Gongeta, Sanja Summary: Modalities of consumers’ protection at consumers’ lending in the European Union Member States are provided with a special directive of the European Parliament and the Council (the Directive 2008/48/EZ on contracts of consumer credit). Although this area has been regulated in the European Union by the directives since 1987 (the Directive 87/102/EEC), because of an economic crisis, it was increasingly coming to the fore that a consumer, as a weaker agreement party, was not protected enough. The Directive 2008/48/EC on contracts of consumer credit is based on the principle of a maximal harmonization and it regulates a minimal legislative framework for each of the member states. Rezime: Modaliteti zaštite potrošača kod potrošačkog kreditiranja u državama članicama Evropske unije su osigurani posebnom direktivom Evropskog parlamenta i Veća (Direktiva 2008/48/EZ o ugovorima o potrošačkom kreditu). Iako je ovo područje u Evropskoj uniji regulisano direktivama još od 1987. godine (Direktiva 87/102/EEZ), zbog ekonomske krize sve više je dolazilo do izražaja da potrošač, kao slabija ugovorna strana, nije zaštićen u dovoljnoj meri. Direktiva 2008/48/EZ o ugovorima o potrošačkom kreditu zasnovana je na načelu maksimalne harmonizacije, te uređuje minimalni zakonodavni okvir za svaku od država članica. Keywords: consumers’ lending, consumers’ protection, the European Union, regulatory framework Ključne reči: potrošačko kreditiranje, zaštita potrošača, Evropska unija, regulatorni okvir