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Our latest issue

Volume 8, Issue 1

June 2023

Edited by: Sharon Tennyson, Cornell University

Online ISSN: 2508-3155

Print ISSN: ISSN 2508-464X

© International Academy of Financial Consumers

About the Journal

The International Review of Financial Consumers (IRFC) is the first journal to publish studies solely related to financial consumers. Its theoretical and empirical research covers financial products and services, regulations and supervision, institutions, and financial culture while maintaining an emphasis on the consumer perspective.

As the contribution of financial consumption becomes increasingly important to the national economy, keeping focus on the equity of the market for consumers grows more and more necessary. Recent trends in globalization and liberalization policies have reinforced challenges in today’s financial markets, as evidenced by the many consumption disputes drawing attention from the media in recent years. Not only have financial instruments become more complicated and hard to understand for the public, but also frequent changes in regulations and business practices have led to confusion for financial consumers. Our journal seeks to promote research that addresses this confusion and leads to a more efficient and equitable financial market

The IRFC is issued by International Academy of Financial Consumers (IAFICO).


IRFC publishes rigorous and original research related to the protection of financial consumers.

Find details about submitting papers and the review process on our submissions page.

Current Call for Papers

IRFC currently is promoting a Call for Papers:

Previous Call for Papers

  • Special Issue on Implications of COVID-19 for Financial Consumers.

  • Special Issue on Consumer Protection in Insurance Markets.

Recent Articles

The Value of Understandable Consumer Insurance Contracts
Kyle Logue⋅Daniel Schwarcz⋅Brenda J. Cude

Consumer Grievance Redress in Indian Insurance Markets
Vimal Balasubramaniam⋅Aishwarya Gawali⋅Renuka Sane⋅Srishti Sharma

Consumer Protection Mechanisms in the Polish Market of Unit-linked Insurance Products
Iwona Dorota Czechowska⋅Joanna Stępińska

Consumer Protection in Insurance Contracts: The Need for a ‘Treating Customers Fairly’ Regime
Andrew Schmulow⋅Baladev Dayaram⋅Sian Mullen

Bifurcated Substantive and Legislatively-Technical Understanding of the Differences in the UK Statutory “Consumer” Definitions Applicable to Insurance
Yong Han

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