for which are monopoly power, where the consumer is locked in a bilateral credit relationship; discrimination through risk-based … pricing, and negative externalities. Contrary to the main focus of the European Consumer Credit Directive, improved disclosure …

for which are monopoly power, where the consumer is locked in a bilateral credit relationship; discrimination through risk-based … pricing, and negative externalities. Contrary to the main focus of the European Consumer Credit Directive, improved disclosure …

for which are monopoly power, where the consumer is locked in a bilateral credit relationship; discrimination through risk-based … pricing, and negative externalities. Contrary to the main focus of the European Consumer Credit Directive, improved disclosure …

for which are monopoly power, where the consumer is locked in a bilateral credit relationship; discrimination through risk-based … pricing, and negative externalities. Contrary to the main focus of the European Consumer Credit Directive, improved disclosure …

, discrimination through risk-based pricing, and negative externalities, where the least solvent borrowers are cross-subsidized by the …