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Måttfullhetskravet – Hur förändrades bedömningen efter reformen i konsumentkreditlagen 2018?

Blomquist, André LU (2021) LAGF03 20211
Department of Law
Faculty of Law
Abstract (Swedish)
I budgetpropositionen 2016 konstaterade regeringen att det fanns en förhöjd risk på konsumentkreditmarknaden för att konsumenter att hamna i överskuldsättning. En rad åtgärder föreslog varav en av dem innebar införskaffandet av ett måttfullhetskrav vid marknadsföring av konsumentkrediter. Kravet på måttfullhet har existerat i svensk rätt sedan det först omnämndes i 1992 års proposition till marknadsföringslagen. Regeringen hade däremot en ambition att måttfullhetskravet skulle införlivas såsom lag och att transaktionstestet skulle avskaffas. 2018 introducerades måttfullhetskravet till konsumentkreditlagen och transaktionstestet avskaffades vid händelse av att marknadsföring av konsumentkrediter ansågs strida mot kravet på måttfullhet. I... (More)
I budgetpropositionen 2016 konstaterade regeringen att det fanns en förhöjd risk på konsumentkreditmarknaden för att konsumenter att hamna i överskuldsättning. En rad åtgärder föreslog varav en av dem innebar införskaffandet av ett måttfullhetskrav vid marknadsföring av konsumentkrediter. Kravet på måttfullhet har existerat i svensk rätt sedan det först omnämndes i 1992 års proposition till marknadsföringslagen. Regeringen hade däremot en ambition att måttfullhetskravet skulle införlivas såsom lag och att transaktionstestet skulle avskaffas. 2018 introducerades måttfullhetskravet till konsumentkreditlagen och transaktionstestet avskaffades vid händelse av att marknadsföring av konsumentkrediter ansågs strida mot kravet på måttfullhet. I uppsatsen belyses två domar varav den ena har meddelats innan reformen och den andra efter.

Syftet med uppsatsen är att utreda den historiska bakgrunden till måttfullhetskravet som introducerades 2018. Vidare kommer utredningen utifrån de två rättsfallen studera om måttfullhetskravet inneburit någon förändring av rättsläget och dessutom om konsumentskyddet har stärkts.

Uppsatsen konstaterar att reformen inte bidragit till en strängare bedömning av måttfullhetskravet men att avsaknaden av transaktionstestet har bidragit till ett starkare konsumentskydd. (Less)
Abstract
In the budgetproposition 2016 the government established that there was an increased risk on the consumer credit markets for excessive debt incursion. A number of proposals was made on how to combate this rising issue and one of them was to attach a requirement of abstention when marketing a consumer credit. Such a requirment had already existed in the 1992 preparatory work for the marketing act. The government in 2016 had an ambition to attach the requirement to the consumer credit act since it historially only existed in the preparatory work. Also the transactionstest should be abolished. In 2018 the law was introduced and the consumer credit act was attached with a abstentionrequirement and also the transactiontest was abolished in... (More)
In the budgetproposition 2016 the government established that there was an increased risk on the consumer credit markets for excessive debt incursion. A number of proposals was made on how to combate this rising issue and one of them was to attach a requirement of abstention when marketing a consumer credit. Such a requirment had already existed in the 1992 preparatory work for the marketing act. The government in 2016 had an ambition to attach the requirement to the consumer credit act since it historially only existed in the preparatory work. Also the transactionstest should be abolished. In 2018 the law was introduced and the consumer credit act was attached with a abstentionrequirement and also the transactiontest was abolished in those cases the marketing did not meet the requirment of abstention. In this paper two court findings will be presented from which one is proclaimed before the reform and one after.

The purpose of this paper is to investigate the historical bakground for the abstentionrequirment that was introduced in 2018. The two court findings are used to study if the requirement had any ramifacations on the current legal status and also if consumer protection has been strenghtend.

The conclusion of this paper is that the abstentionrequirment has not been made stricter after the reform but the abolishment of the transactiontest has increased consumer protection on the consumer credit market. (Less)
Please use this url to cite or link to this publication:
author
Blomquist, André LU
supervisor
organization
course
LAGF03 20211
year
type
M2 - Bachelor Degree
subject
keywords
förmögenhetsrätt, rättsvetenskap, Law, Marknadsföringsrätt, Måttfullhetskravet, Transaktionstest, marknadsföringslag, Konsumentkreditlag, marknadsföringslagen, konsumentkreditlagen
language
Swedish
id
9045711
date added to LUP
2021-06-29 16:49:35
date last changed
2021-06-29 16:49:35
@misc{9045711,
  abstract     = {{In the budgetproposition 2016 the government established that there was an increased risk on the consumer credit markets for excessive debt incursion. A number of proposals was made on how to combate this rising issue and one of them was to attach a requirement of abstention when marketing a consumer credit. Such a requirment had already existed in the 1992 preparatory work for the marketing act. The government in 2016 had an ambition to attach the requirement to the consumer credit act since it historially only existed in the preparatory work. Also the transactionstest should be abolished. In 2018 the law was introduced and the consumer credit act was attached with a abstentionrequirement and also the transactiontest was abolished in those cases the marketing did not meet the requirment of abstention. In this paper two court findings will be presented from which one is proclaimed before the reform and one after.

The purpose of this paper is to investigate the historical bakground for the abstentionrequirment that was introduced in 2018. The two court findings are used to study if the requirement had any ramifacations on the current legal status and also if consumer protection has been strenghtend. 

The conclusion of this paper is that the abstentionrequirment has not been made stricter after the reform but the abolishment of the transactiontest has increased consumer protection on the consumer credit market.}},
  author       = {{Blomquist, André}},
  language     = {{swe}},
  note         = {{Student Paper}},
  title        = {{Måttfullhetskravet – Hur förändrades bedömningen efter reformen i konsumentkreditlagen 2018?}},
  year         = {{2021}},
}