18 July 2016

Consumer Credit, quo vadis?

Already the Dispatch on the Swiss Consumer Credit Act (CCA) of the year 1978 states that consumer needs "show a natural tendency to always be a few steps ahead of the respective economic capacity". Developments in recent decades have shown that consumer credit has transformed from a business for emergencies to a business for prosperity. Apart from the undisputed economic benefits of consumer credit there have always been a certain number of inherent social and economic risks. In the course of time, the Swiss legislator has assessed and weighted these risks differently. The following article will provide an overview of the changes that came into force this year.

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