COMPARATIVE EVALUATION OF THE NORMS OF REGULATION ON PRINCIPLES OF PRACTICE OF INSURANCES RELATED TO CONSUMER LOANS FOR PREVENTION OF UNFAIR PRACTICES AGAINST CONSUMERS

Damla Küçük

Makale detayları

COMPARATIVE EVALUATION OF THE NORMS OF REGULATION ON PRINCIPLES OF PRACTICE OF INSURANCES RELATED TO CONSUMER LOANS FOR PREVENTION OF UNFAIR PRACTICES AGAINST CONSUMERS

Yazarlar:

Damla Küçük

Yayıncı:

Anadolu University

Ana Başlıklar:

Hukuk

Dergi:

Anadolu Üniversitesi Hukuk Fakültesi Dergisi Vol.9 Issue 2, pp.243-267

Belge Tipi:

Makale

Yayın Tarihi:

7/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001296557

pISSN:

2687-394X

Anahtar kelimeler:

Özet:

 Consumer credit insurance, which is originally made for the repayment of consumer loans, constitutes a source of unfair practices that cause harm to consumers who take these loans. Such practices may occur in different ways such as forcing the consumer to obtain insurance from an insurer affiliated with the lender, charging excessive insurance premiums, obtaining unnecessary insurance, obtaining insurance longer than the maturity of the loan, obtaining insurance at a higher price than the loan amount. Apart from the general norms in the consumer law legislation such as the Law on the Protection of the Consumer, specific regulations for the prevention of such unfair practices are included in the Regulation on the Principles of Practice of Insurances Related to Personal Loans. In the study, the adequacy and appropriateness of the norms in the Regulation have been tried to be examined by comparing them with the practices and regulations in American law.

 Consumer credit insurance, which is originally made for the repayment of consumer loans, constitutes a source of unfair practices that cause harm to consumers who take these loans. Such practices may occur in different ways such as forcing the consumer to obtain insurance from an insurer affiliated with the lender, charging excessive insurance premiums, obtaining unnecessary insurance, obtaining insurance longer than the maturity of the loan, obtaining insurance at a higher price than the loan amount. Apart from the general norms in the consumer law legislation such as the Law on the Protection of the Consumer, specific regulations for the prevention of such unfair practices are included in the Regulation on the Principles of Practice of Insurances Related to Personal Loans. In the study, the adequacy and appropriateness of the norms in the Regulation have been tried to be examined by comparing them with the practices and regulations in American law.

 Consumer credit insurance, which is originally made for the repayment of consumer loans, constitutes a source of unfair practices that cause harm to consumers who take these loans. Such practices may occur in different ways such as forcing the consumer to obtain insurance from an insurer affiliated with the lender, charging excessive insurance premiums, obtaining unnecessary insurance, obtaining insurance longer than the maturity of the loan, obtaining insurance at a higher price than the loan amount. Apart from the general norms in the consumer law legislation such as the Law on the Protection of the Consumer, specific regulations for the prevention of such unfair practices are included in the Regulation on the Principles of Practice of Insurances Related to Personal Loans. In the study, the adequacy and appropriateness of the norms in the Regulation have been tried to be examined by comparing them with the practices and regulations in American law.

 Aslen tüketici kredilerinin geri ödenmesini temin için yapılan tüketici kredi sigortaları, diğer yandan bu kredileri alan tüketicilerin zarar görmesine neden olan haksız uygulamaların da kaynağını teşkil etmektedir. Bu tür uygulamalar; tüketicinin sigortayı kredi verenle bağlantılı bir sigortacıdan yaptırmaya zorlanması, gereğinden çok sigorta priminin alınması, gereksiz sigortaların yaptırılması, kredinin vadesinden uzun sigorta yaptırılması, kredi miktarından yüksek bedelle sigorta yaptırılması gibi farklı şekillerde ortaya çıkabilmektedir. Tüketicinin Korunması Hakkında Kanun gibi tüketici hukuku mevzuatında yer alan genel düzenlemelerin dışında, bu tür haksız uygulamaların engellenmesine yönelik spesifik düzenlemeler Bireysel Kredilerle Bağlantılı Sigortalar Uygulama Esasları Yönetmeliğinde yer almaktadır. Çalışmada Yönetmelikte yer alan bu düzenlemelerin yeterlilik ve yerindeliği, Amerikan hukukundaki düzenleme ve uygulamalarla karşılaştırılarak irdelenmeye çalışılmıştır.

Makale detayları

COMPARATIVE EVALUATION OF THE NORMS OF REGULATION ON PRINCIPLES OF PRACTICE OF INSURANCES RELATED TO CONSUMER LOANS FOR PREVENTION OF UNFAIR PRACTICES AGAINST CONSUMERS

Yazarlar:

Damla Küçük

Yayıncı:

Anadolu University

Ana Başlıklar:

Hukuk

Dergi:

Anadolu Üniversitesi Hukuk Fakültesi Dergisi Vol.9 Issue 2, pp.243-267

Belge Tipi:

Makale

Yayın Tarihi:

7/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001296557

pISSN:

2687-394X

Consumer Credit Insurances

Security Function

Protection of Consumers

Unfair Practices

Regulation on Principles of Practice of Insurances Related to Consumer LoansTüketici Kredi Sigortaları

Teminat İşlevi

Tüketicinin Korunması

Haksız Uygulamalar

Bireysel Kredilerle Bağlantılı Sigortalar Uygulama Esasları Yönetmeliği

Sayı

Makale detayları

Yazarlar: Damla Küçük

Yayıncı: Anadolu University

Ana Başlıklar: Hukuk

Dergi: Anadolu Üniversitesi Hukuk Fakültesi Dergisi Vol.9 Issue 2, pp.243-267

Belge Tipi: Makale

Yayın Tarihi: 7/2023

Belge Dili: Türkçe

Document ID (Org No.): 2001296557

pISSN: 2687-394X

Sayı

Yazarlar:

Damla Küçük

Yayıncı:

Anadolu University

Ana Başlıklar:

Hukuk

Dergi:

Anadolu Üniversitesi Hukuk Fakültesi Dergisi Vol.9 Issue 2, pp.243-267

Belge Tipi:

Makale

Yayın Tarihi:

7/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001296557

pISSN:

2687-394X