o:2362 Consumers’ lending in the European Union Potrošačko kreditiranje u Evropskoj uniji en sr 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 2023-06-20T07:57:47.700Z 44 yes 46 Marijana Dukić Mijatović Pravni fakultet za privredu i pravosuđe, Univerzitet Privredna akademija u Novom Sadu, Srbija The Faculty of Law for Commerce and Judiciary in Novi Sad, The University Business Academy in Novi Sad, Serbia 0000-0003-1327-0889 Sanja Gongeta person application/pdf 622838 https://unilib.phaidrabg.rs/o:2362 no yes 16 70 92000001 211A01 Pravo - teorija i praksa 30 10-12 1 10 2013