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Ms Nicola Howell

Faculty of Law,
Law School


Ms Nicola Howell
Senior Lecturer
Faculty of Law,
Law School
Discipline *
+61 7 3138 2006
+61 7 3138 2121
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Master of Law (LLM) (Griffith University), Bachelor of Science (Honours) (The University of Melbourne), Bachelor of Laws (The University of Melbourne), Bachelor of Laws (University of Melbourne)


consumer credit, financial services, bankruptcy, insolvency, consumer law, self-regulation, regulation

* Field of Research code, Australian and New Zealand Standard Research Classification (ANZSRC), 2008


Nicola joined the Law Faculty in 2008 with a strong background in consumer and credit law and policy. Between 2005 and 2008, Nicola was the inaugural Director of the Centre for Credit and Consumer Law, an academic centre based at Griffith University. Before this, Nicola held senior research and policy positions with organisations in the government, community and private sector.
Since joining the Law School at QUT, Nicola has continued her research into consumer, credit and financial services law, and has also begun researching in bankruptcy law. Recent publications have covered topics including the fresh start in bankruptcy, new credit laws affecting small loans, and third party guarantees, and her work has been published in Australian and overseas publications.
At QUT, Nicola has received consultancies and research grants from the Australian Securities and Investments Commission (”ASIC”) and the Queensland Attorney-General’s Department. She teaches at both undergraduate and postgraduate level, in areas including insolvency, commercial and consumer, contract, and financial services law.
Nicola is a member of a group of academics who run an annual Consumer Law Roundtable, and with a colleague, was instrumental in establishing the first Roundtable held in 2006.
Nicola has been a member of the Executive of the Consumers’ Federation of Australia (”CFA”) for a number of years, and has previously held the positions of Deputy Chair and Treasurer in that organisation. Nicola is currently the CFA representative on ASIC’s Consumer Advisory Panel, and between 2009 and 2012 was the Consumer and Small Business representative on the Code Compliance Monitoring Committee, an independent body responsible for monitoring the Code of Banking Practice.
Key publications
Book chapters
Howell, Nicola (2013) Interest rate caps and price regulation in consumer credit. In Malbon, Justin & Nottage, Luke (Eds.) Consumer Law and Policy in Australia and New Zealand. The Federation Press, Annandale, NSW, pp. 311–336.
Howell, Nicola & Wilson, Therese (2008) The limits of competition : reasserting a role for consumer protection and fair trading regulation in competitive markets. In Parry, Deborah, Nordhausen, Annette, Howells, Geraint, & Twigg-Flesner, Christian (Eds.) The Yearbook of Consumer Law 2009. Ashgate Publishing, Farnham, England.
Journal articles
Howell, Nicola (2014) The fresh start goal of the Bankruptcy Act : giving a temporary reprieve or facilitating debtor rehabilitation? QUT Law Review. (In Press)
McGill, Denise & Howell, Nicola (2013) Improving the ability of guarantors to make a real choice : lenders’ practices in taking third party guarantees. Journal and Banking and Finance Law and Practice, 24(3), pp. 182–202.
McGill, Denise, Corones, Stephen G., & Howell, Nicola (2012) Regulating the cost of small loans : overdue or overkill? Company and Securities Law Journal, 30(3), pp. 149–169.
Howell, Nicola (2009) National consumer credit laws, financial exclusion and interest rate caps : The case for diversity within a centralised framework. Competition and Consumer Law Journal, 17(2), pp. 212–233.
Wilson, Therese, Howell, Nicola, & Sheehan, Genevieve (2009) Protecting the most vulnerable in consumer credit transactions. Journal of Consumer Policy, 32(2), pp. 117–140.
Howell, Nicola, Wilson, Therese, & Davidson, James (2008) Interest rate caps : protection or paternalism.
Howell, Nicola (2008) Joint consumer submission to the review of the code of banking practice. (Unpublished)
Sheehan, Genevieve, Wilson, Therese, & Howell, Nicola (2008) Coming to grips with credit contracts : steps to protect vulnerable borrowers. Brotherhood of St Laurence and Griffith University Centre for Credit and Consumer Law, Fitzroy, Victoria.
This information has been contributed by Ms Nicola Howell.


Nicola teaches, or has taught, in the following subjects at QUT:
This information has been contributed by Ms Nicola Howell.


For more publications by this staff member, visit QUT ePrints, the University's research repository.