About the book

The protection of biodiversity is one of the most important challenges of contemporary societies. Indeed, as scientists have noted, there is a clear decline in habitats and ecosystems and a rate of species disappearance that has not occurred until now. Climate change and the entry into a new era called “the Anthropocene” are already bringing deep changes in ecosystems, habitats, and species. The European Union (EU) adopted in 1979 the directive on the conservation of wild b...

The experience of the Member States in implementing and interpreting the laws that transpose the Mortgage Credit Directive (MCD) serves as a good illustration of the gaps that the law has successfully addressed. However, it also highlights other areas where changes are still necessary and require prompt attention. Although consumer protection and financial stability must continue to be the fundamental principles guiding any legislative action, the regulations need to be adapted to address the...