The programme of the day is as follows:

8.15 – 9.00Registration and Coffee

9.00Welcome – Prof Justin Fisher, Head of Department of Politics, History and Law – Brunel University London

9.00 – 9.15Presentations of the project and preliminary results – Federico Ferretti, Brunel University London

9-15 – 9.30Personal insolvency: lessons from experiences from across Europe – Hans Dubois, European Foundation for the Improvement of Living and Working Conditions (Eurofound)

9.30 – 9.40Discussant 1 – Olivier Jerusalmy, Financite' and European Financial Inclusion Network (Consumer representative)

9.40 – 9.50 Discussant 2 – Fabrizia Giacomini, Experian, Head of EMEA Government & Public Affairs and ACCIS (Industry rep.)

9.50 – 10.00Discussion and Q&A from the floor

10.00 – 10.30UK – Elaine Kempson, Professor University of Bristol, and Joanna Elson, Money Advice Trust (respectively, academic and consumer representatives)

10.30 – 10.40Discussant 1 – John Tribe, lawyer and University of Liverpool (Lawyer and Academic)

10.40 – 10.50Discussant 2 –Ian Fiddeman, Policy Director on consumer credit, British Bankers Association (Industry Rep.)

10.50 – 11.00Discussion and Q&A from the floor

11.00 – 11.20Coffee Break

11.20 – 11.50GERMANY –Christoph Zerhusen, Verbraucherzentrale Nordrhein-Westfalen e.V. and W Joachimiak, Destatis, (respectively, consumer and Stat Office representative)

11.50 – 12.00Discussant 1 – Her Hon. Eva Weber – Schramm, Judge, Landgericht Berlin –(Judge)

12.00 – 12.10Discussant 2 –Peter Rott, Prof. University of Kassel (Academic)

12.10 – 12.20Discussion and Q&A from the floor

12.30 – 13.40LUNCH

13.40 – 14.10GREECE – Dionysia Prassa, Central Bank of Greece

14.10 – 14.20Discussant 1 –Christina Livada, University of Athens and Legal Advisor in Hellenic Bank Association (Academic and industry rep.)

14.20 – 14.30Discussant 2 – Theodor Katsas, Practitioner and Democritus University of Thrace (Legal practitioner and academic)

14.30 – 14.40Discussion and Q&A from the floor

14.40 – 15.10ITALY - Daniela Vandone, University of Milan (Academic and economist)

15.10 – 15.20Discussant 1 –Diana Cerini, University of Milan Bicocca (Academic and legal practitioner)

15.20 – 15.30 Discussant 2 – Enrico Lodi, CentaleRischiFinanziari (Italian Credit Bureau, industry rep)

15.30 – 15.40Discussion and Q&A from the floor

15.40 – 16.00Coffee break

The EU dimension: challenges and ways forward

16.00 – 16.20EBA Guidelines on Creditworthiness Assessments and on Arrears and Foreclosure under the MCD – Ms Tea Turcaniova (European Banking Authority)

16.20 – 16.40What future for the EU? – Ms Maria Lissowska (European Commission, DG JUST)

16.40 – 16.50Discussant 1: What we would like to see for the future of European consumers – Mick McAteer (Financial Services User Group - FSUG of the European Commission)

16.50 – 17.00Discussant 2: An industry perspective - Jennifer Johnson, Head of Legal & Economic Affairs, and European Mortgage Federation

17.00-17.15Discussion and Q&A from the floor

17.15 – 17.30Concluding Remarks: Prof. Jason Kilborn, John Marshall Law School, Chicago

17.30 END