Peer to Consumer Lending

Abstract

Peer to consumer lending represents an alternative form of financing characterized, within the crowdfunding genus, by the collecting of credit offers to be matched with borrowing demand through a digital platform. The essay focuses on legal analysis of some aspects of the structure and the functioning of lending marketplaces operating in the sector at stake. The Author argues how this business model – especially when the phenomenon involves consumers and, more generally, non-professionals counterparts – may be critical as regards to the classical cathegories and concepts ruling the lending/borrowing discourse.