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Regulating Unfair Banking Practices in Europe – The Case of Personal Suretyships - Oxford Scholarship Online
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Regulating Unfair Banking Practices in Europe: The Case of Personal Suretyships

Aurelia Colombi Ciacchi and Stephen Weatherill


Private persons often stand surety for a business debt incurred by family members, friends, or employers. These suretyships are commonly banking guarantees contracted by means of standard terms. Sometimes the guarantor signs the contract while he/she is not aware of the financial risk related to the guarantee. He or she may not even know what a suretyship is. But in other circumstances the guarantor may be well aware of the risk, but may nonetheless assume it because of strong emotional ties which exist between him/her and the main debtor. How, then, (if at all) does the law address the potent ... More

Keywords: financial risk, suretyship, income, assets, unfair obligations, legal rules, banking practices

Bibliographic Information

Print publication date: 2010 Print ISBN-13: 9780199594559
Published to Oxford Scholarship Online: January 2011 DOI:10.1093/acprof:oso/9780199594559.001.0001


Affiliations are at time of print publication.

Aurelia Colombi Ciacchi, editor
Senior Researcher, Law Faculty; Senior Lecturer, Hanse Law School, University of Bremen

Stephen Weatherill, editor
Professor of European Law, Law Faculty & Somerville College, Oxford University

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3 Remarks from a Comparative and EU Perspective

Stephen Weatherill, and Aurelia Colombi Ciacchi

Country Reports

4 Austria

Wolfgang Faber

5 Belgium

Vincent Sagaert

6 Denmark

Morten M Fogt

7 England and Wales

Prof Lorna Fox O'Mahony, Dr James Devenney, and Dr Mel Kenny

8 Estonia

Irene Kull

9 Finland

Tuulikki Mikkola

10 France

A-S Barthez, R Family, and S Vigneron

11 Germany*

Peter Rott

12 Greece

Yannis Erifillidis

13 Hungary

Professor Tibor Tajti

14 Ireland

Patrick O'Callaghan, and Aoife O'Donoghue

15 Italy

Francesca Fiorentini

16 Latvia

Theis Klauberg

17 Lithuania

Andrius Smaliukas, and Gintautas Šulija

18 The Netherlands

Dr Matthias Haentjens

19 Poland

Inga Łobocka

20 Portugal

Prof Dr Jorge Sinde Monteiro, and Dr André Dias Pereira

21 Romania

Prof Dr Florin Ciutacu

22 Scotland

Prof Dr Lesley Jane Smith

23 Slovenia

Dr Špelca Mežnar

24 Spain

Teresa Rodríguez de las Heras Ballell

25 Sweden

Annina H Persson

End Matter