Kent Law School

Critical perspectives research led teaching


 

About

Biography
Iain Ramsay has taught in both England and Canada. From 1986-2007 he was a Professor at Osgoode Hall Law School, York University, Toronto, Canada. He has been a visiting Professor at the University of Wisconsin-Madison, the University of Tokyo, Ritsumeikan University, Kyoto, Japan and the University of Sydney.

Research interests are primarily in two areas:

  • Credit and Insolvency
  • Regulation of consumer markets at national, regional and international level

Iain's approach is interdisciplinary drawing on economic and socio-legal perspectives. He conducted ground breaking empirical research on personal insolvency in Canada, and was a member of the Canadian Personal Insolvency Task Force (2000-2002). He has written extensively on comparative consumer insolvency and is co-author of a World Bank Report on the Treatment of the Insolvency of Natural Persons. His current research, supported by a Fellowship from the Leverhulme Trust,  focuses on explanations for the patterns of  development of personal insolvency in the US and Europe. He is an elected member of the American Law Institute.

http://creditdebtandinsolvency.wordpress.com/

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Publications

 

Also view these in the Kent Academic Repository

Article
Ramsay, I. (2015). US Exceptionalism, Historical Institutionalism, and the Comparative Study of Consumer Bankruptcy Law. Temple Law Review [Online] 87:947-974. Available at: http://www.templelawreview.org/tlr-in-print/.
Ramsay, I. (2012). Consumer Credit Regulation After the Fall: International Dimensions . Zeitschrift für Europäisches Unternehmens- und Verbraucherrecht [Online] 1:24-34. Available at: http://dx.doi.org/10.1007/s13590-011-0001-7.
Ramsay, I. (2012). A Tale of Two Debtors: Responding to the Shock of Over-Indebtednessin France and England: A Story from the Trente Piteuses. Modern Law Review [Online] 75:212-248. Available at: http://dx.doi.org/10.1111/j.1468-2230.2012.00897.x.
Ramsay, I. (2011). Regulation and the Constitution of the EU Single Market: The Contribution of Consumer Law. Canadian Business Law Journal:322-355.
Ramsay, I. (2010). "To Heap Distress upon Distress?" Comparative Reflections on Interest Rate Ceilings. University of Toronto Law Journal 60:707-730.
Book section
Ramsay, I. (2016). Changing Policy Paradigms of EU Consumer Credit and Debt Regulation. in: Leczykiewicz, D. and Weatherill, S. eds. The Image of the Consumer in EU Law. Hart, Bloomsbury. Available at: http://www.hartpub.co.uk/BookDetails.aspx?ISBN=9781849465441.
Ramsay, I. (2015). Two Cheers for Europe: Austerity, Mortgage Foreclosures and Personal Insolvency Policy in the EU. in: Micklitz, H. W. and Domurath, I. eds. Consumer Debt and Social Exclusion in Europe. Ashgate, pp. 189-229. Available at: https://www.ashgate.com/default.aspx?page=637&title_id=1219171104&edition_id=1219186166&calcTitle=1.
Ramsay, I. (2013). Culture or Politics? Models of Consumer Credit Regulation in France and the UK . in: Wilson, T. ed. International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis. Ashgate, pp. 79-108.
Ramsay, I. and Duggan, A. (2012). Front End Approaches to Access to Justice . in: Trebilcock, M., Duggan, A. and Sossin, L. eds. Middle Income Access to Justice. Toronto : University of Toronto Press. Available at: http://www.utppublishing.com/Middle-Income-Access-to-Justice.html.
Ramsay, I. and Williams, T. (2012). Highlights of international, regional and national consumer finance protection developments after the great recession. in: Ramsay, I. et al. eds. The Global Financial Crisis and the Need for Consumer Regulation: New Developments on International Protection of Consumers. Brazil: Orqestra Editora.
Ramsay, I. and Williams, T. (2012). The Crash that Launched a Thousand Fixes: Consumer Credit Regulation after the Credit Crunch. in: Alexander, K. and Moloney, N. eds. Law Reform and Financial Markets. Cheltenham: Edward Elgar.
Ramsay, I. (2011). A sociedade do crédito ao consumidor e a falência pessoal do consumidor. in: Mirage, B. ed. Doutrinas Essenciais Direito do Consumidor. Editora Revista Dos Tribunais.
Ramsay, I. (2011). Regulation of Consumer Credit. in: Ramsay, I., Howells, G. and Wilhelmsson, T. eds. Handbook of Research on International Consumer Law . Edward Elgar.
Ramsay, I. (2009). 'Wannabe WAGS' and 'credit binges' : the constructions of overindebtedness in the UK. in: Niemi, J., Ramsay, I. and Whitford, W. eds. Consumer Credit, Debt and Bankruptcy: Comparative and International Perspectives. Oxford: Hart Publishing.
Book
Ramsay, I. (2017). Personal Insolvency in the 21st Century : A Comparative Analysis of the US and Europe. Hart Publishing.
Ramsay, I. (2012). Consumer Law and Policy: Text and Materials on Regulating Consumer Markets. Oxford: Hart.
Edited book
Ramsay, I. et al. eds. (2012). The Global Financial Crisis and the Need for Consumer Regulation: New Developments on International Protection of Consumers. Brazil: Orqestra Editora.
Ramsay, I., Howells, G. and Wilhelmsson, T. eds. (2010). Handbook of Research on International Consumer Law. United Kingdom : Edward Elgar Publishing .
Ramsay, I., Niemi, J. and Whitford, W. eds. (2009). Consumer Credit, Debt and Bankruptcy: Comparative and International Perspectives . United Kingdom : Hart Publishing.
Research report (external)
Ramsay, I. et al. (2013). World Bank Report on the Treatment of the Insolvency of Natural Persons. [Online]. World Bank, Washington. Available at: http://siteresources.worldbank.org/INTGILD/Resources/WBInsolvencyOfNaturalPersonsReport_01_11_13.pdf.
Showing 20 of 73 total publications in KAR. [See all in KAR]
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Teaching and Supervision

Current Teaching
Postgraduate seminars in International and Comparative Bankruptcy and Insolvency Law and Policy, International and Comparative Consumer Law, and Commercial Credit.

Supervision
Iain is happy to supervise in the areas of regulation of consumer markets, consumer credit and insolvency as well as commercial credit and insolvency.

Currently Supervising
Khalaf Albawali
 A comparative analysis of Takaful and Conventional Insurance

Virginia Torrie
A Historical Analysis of the Canadian Companies Creditors Arrangement Act

Frederick Thomson
Corporate Insolvency and the Role of the Insolvency Profession

Asta Zokaityte (with Professor Toni Williams)
The Development of Financial  Literacy: A Historical Institutional Analysis

Abdulaziz Abdulrahman A Alsheikh
Systemic Risk, Islamic Finance and the Global  Economy

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Other Academic Activities

Editorial Board

  • Journal of Consumer Policy,
  • SSRN Consumer Law Journal,
  • Consumer Law Journal (Nigeria),
  • Consumer Law Journal (Brazil),
  • Editor-in-Chief, Osgoode Hall Law Journal 2003-2006,
  • Journal of European Consumer and Market Law

Professional Societies

  • Law and Society Association.

External Appointments

  • Member, Federal Task Force on Personal Insolvency (Canada) 2000-2003:
  • has acted as consultant for Federal and provincial governments (Canada) on consumer law and policy, the UK National Consumer Council, Which? and the UK's Office of Fair Trading. Consultant research for Insolvency Service, England and Wales.
  • President, International Association of Consumer Law 2003-07.
  • Elected Member American Law Institute.
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Last Updated: 02/11/2015