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Si us plau utilitzeu sempre aquest identificador per citar o enllaçar aquest document: https://hdl.handle.net/2445/211686
Cooperativas, financiación y consumidores vulnerables
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The aim of this paper is to highlight the lack of a unitary and systematic regulatory
treatment of vulnerable consumers. The analysis takes the exclusions contained in EU Directive
2014/17 of 4 February and the transposition thereof in article 2.4 (a) and (b) of Law 5/2019, 15
March, regulating real estate credit agreements, as a starting point. Following this, the paper
focuses on the concept of cooperatives and on the varieties of which are of interest in this area
(housing, service and credit cooperatives, that are briefly outlined, as well as the concept of
vulnerable consumer introduced by Royal Decree-Law 1/2021, 19 January, in order to explore
the possibilities that could be offered by the intervention of a cooperative in the granting of
credit to vulnerable consumers.
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TENZA LLORENTE, María. Cooperativas, financiación y consumidores vulnerables. [consulta: 2 de desembre de 2025]. [Disponible a: https://hdl.handle.net/2445/211686]