Câteva repere de analiză economică a conformării profesionistului în relaţiile contractuale cu consumatorii de credite
Several economic analysis considerations of the professional’s compliance in consumer credit agreements

Summary/Abstract: The phenomenon of professional compliance with the rigors imposed by the relationship with credit consumers goes beyond the obligation to comply with the provisions in the specific consumer protection legislation and can entail the alignment with market standards. The behavior of professionals, by following the tried & tested sectorial practice, has the advantage of showing the intention to insert and use the usual clauses used within the market in standard consumer agreements. However, the bounded rationality of consumers, as well as the costs of complexity, influence the dynamics and efficiency of compliance at a sector level.

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