Irish law and the mortgage crisis

Moral hazard or a denial of rights? Clearly the latter, writes Dr Padraic Kenna

25th November, 2018

The Irish mortgage crisis can be clearly traced to the financial crash, which revealed poor ECB banking regulation in the peripheral EU member states. After that everything changed, as households became the “shock absorbers” of the crisis.

The consequences for those unable to repay their mortgages are still being felt. The ensuing systemic mortgage arrears problem has presented challenges for the Irish legal system, and its Anglo-American model of mortgage law.

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