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Scientific paper - Original scientific paper
Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism
EuCML - Journal of European consumer and market law, 6 (2020); 226-235. urn:nbn:hr:118:191851
Mišćenić, Emilia

Institutional repository: Repository of the University of Rijeka, Faculty of Law

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Mišćenić, E. (2020). Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism. EuCML - Journal of European consumer and market law, 6., 226-235. Retrieved from https://urn.nsk.hr/urn:nbn:hr:118:191851

Mišćenić, Emilia. "Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism." EuCML - Journal of European consumer and market law, vol. 6, 2020, pp. 226-235. https://urn.nsk.hr/urn:nbn:hr:118:191851

Mišćenić, Emilia. "Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism." EuCML - Journal of European consumer and market law 6 (2020): 226-235. https://urn.nsk.hr/urn:nbn:hr:118:191851

Mišćenić, E. (2020) 'Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism', EuCML - Journal of European consumer and market law, 6, pp. 226-235. Available at: https://urn.nsk.hr/urn:nbn:hr:118:191851 (Accessed 05 November 2024)

Mišćenić E. Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism. EuCML - Journal of European consumer and market law [Internet]. 2020 [cited 2024 November 05];6:226-235. Available at: https://urn.nsk.hr/urn:nbn:hr:118:191851

E. Mišćenić, "Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism", EuCML - Journal of European consumer and market law, vol. 6, pp. 226-235, 2020. [Online]. Available at: https://urn.nsk.hr/urn:nbn:hr:118:191851. [Accessed: 05 November 2024]

Metadata
Title (english)Currency Clauses in CHF Credit Agreements: A ‘Small Wheel’ in the Swiss Loans’ Mechanism
AuthorEmilia Mišćenić
Author's institutionUniversity of Rijeka
FACULTY OF LAW
(Department of European and Comparative Law)
(Chair of International and Europena Private Law)
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Law
Abstract (english)
The so-called Swiss loans, i.e. consumer credit agreements expressed in Swiss Francs, can be compared to another famous Swiss product. Also the famous Swiss clocks and watches are characterised by a complex mechanism with many important parts guaranteeing an effective and proper functioning of the whole. However, different to Swiss clocks the Swiss loans have not run smoothly in EU Member States such as e.g. Hungary, Croatia, Poland, Romania and Slovenia. The national courts of these Member States have been struggling with a variety of issues arising under the Swiss loan agreements. The CJEU is almost regularly faced with requests for preliminary rulings in cases dealing with complex aspects of consumer crediting, unfair commercial practices and unfair contractual terms related to Swiss loans. With this in mind, this paper analyses key consumer protection issues related to consumer credit agreements expressed in Swiss Francs. It also addresses an important question arising from the above comparison: is the ‘currency clause’ expressing the loan in Swiss Francs, a ‘small wheel’ without which the contract mechanism cannot function?
Keywords (english)
Languageenglish
Publication typeScientific paper - Original scientific paper
Publication statusPublished
Peer reviewPeer review - international
Publication versionPublished version
Journal titleEuCML - Journal of European consumer and market law
Numberingvol. 6, pp. 226-235
p-ISSN2364-4710
URN:NBNurn:nbn:hr:118:191851
Publication2020
Document URLhttp://bib.irb.hr/1099739
Type of resourceText
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2022-03-25 17:25:43