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Ms Nicola Howell

Faculty of Law,
Law School

Personal

Name
Ms Nicola Howell
Position(s)
Senior Lecturer
Faculty of Law,
Law School
Discipline *
Law
Phone
+61 7 3138 2006
Fax
+61 7 3138 2121
Email
Location
View location details (QUT staff and student access only)
Identifiers and profiles
Twitter
Qualifications

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)

Professional memberships
and associations

Member, Commercial and Property Law Centre, QUT Member, Consumers’ Federation of Australia Academic Member, Australian Restructuring Insolvency and Turnaround Association

Keywords

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

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

Biography

Nicola joined the Law Faculty in 2008, having previously been employed as the inaugural Director of the Centre for Credit and Consumer Law, an academic centre based at Griffith University.

Nicola’s research and teaching interests are in consumer credit and consumer financial services law, personal insolvency law, and general consumer law and policy. Her research explores how consumer and insolvency laws and policies operate and how they can best protect consumers, including vulnerable and disadvantaged consumers, and she uses both empirical and doctrinal methods in her work. Recent publications have covered topics including the fresh start in bankruptcy, new credit laws affecting small loans, and self-regulation in the banking sector. 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 personal property, contract, and financial services law.

Nicola was, with a colleague, instrumental in establishing the first Australasian Consumer Law Roundtable, an annual event that has been running since 2006, and involves academics from across Australia and New Zealand.

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. She 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.

Some key publications

Book chapters

  • Howell, Nicola (2016) ‘Making Payday Loans Safer: The Australian Approach to Regulating Small and Medium Sized Loans’. In O’Shea, Paul & Fairweather, Karen (Eds.) Credit, Consumers and The Law: After The Global Storm. Ashgate Publishing Limited. (In Press)
  • 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 J (2016) ‘Small amount credit contracts and payday loans: The complementarity of price regulation and responsible lending regulation’. Alternative Law Journal, 41(3), pp. 174-178.
  • Howell, Nicola & Mason, Rosalind F. (2015) ‘Reinforcing stigma or delivering a fresh start: Bankruptcy and future engagement in the workforce’. University of New South Wales Law Journal, 38(4), pp. 1529-1574.
  • Howell, Nicola J. (2015) ‘Revisiting the Australian code of banking practice: Is self-regulation still relevant for improving consumer protection standards?’ UNSW Law Journal, 38(2), pp. 544-586.
  • Howell, Nicola (2014) ‘The fresh start goal of the Bankruptcy Act: giving a temporary reprieve or facilitating debtor rehabilitation?’ QUT Law Review, 14(3), pp. 29-52.
  • 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.
  • 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.

Reports

  • 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.

Teaching

Nicola teaches into the following units:

Undergraduate

  • LLB204 Commercial and Personal Property Law
  • LLH474 Insolvency Law
  • LWB454 Banking and Finance Law
  • LWS009 Introduction to Law

Postgraduate

  • LWN325 Financial Services and Consumer Law
  • LWN801 Insolvency Law and Professional Practice 1
  • LWN804 Regulatory Issues Impacting Insolvency Practice
  • LWN195 Elder Law

Nicola also supervises students in:

  • LLH473 Independent Research Project
  • LWN600 Professional Research and Writing for Law

Past teaching responsibilities at undergraduate level have included:

  • LWB136 Contracts A
  • LWB137 Contracts B
  • LWB325 Financial Services and Consumer Law
  • LWB459 Commercial and Consumer Law
This information has been contributed by Ms Nicola Howell.

Publications


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