- Ms Nicola Howell
- Senior Lecturer
Faculty of Law,
- Discipline *
- +61 7 3138 2006
- +61 7 3138 2121
- View location details (QUT staff and student access only)
- Identifiers and profiles
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
Member, Commercial and Property Law Centre, QUT; Member, Consumers’ Federation of Australia; Member, Australian Law Teachers Association
consumer credit, financial services, bankruptcy, insolvency, consumer law, self-regulation, regulation
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 is a PhD candidate at Melbourne Law School, and her PhD research focuses on the legal solutions to over-indebtedness and the ways in which consumer debtors experience the different solutions. 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 publicationsBook 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.
- 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.
- 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.
Nicola teaches into the following units:
- LLB204 Commercial and Personal Property Law
- LLH474 Insolvency Law
- LWB454 Banking and Finance Law
- LWS009 Introduction to Law
- 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
- Howell NJ, Mason RF, (2015) Reinforcing stigma or delivering a fresh start: Bankruptcy and future engagement in the workforce, University of New South Wales Law Journal p1529-1574
- Howell NJ, (2015) Revisiting the Australian Code of Banking Practice: Is self-regulation still relevant for improving consumer protection standards?, University of New South Wales Law Journal p544-586
- Howell NJ, (2014) The fresh start goal of the Bankruptcy Act: giving a temporary reprieve or facilitating debtor rehabilitation?, QUT Law Review p29-52
- Howell NJ, (2013) Interest rate caps and price regulation in consumer credit, Consumer law and policy in Australia and New Zealand p311-336
- McGill DP, Howell NJ, (2013) Improving the ability of guarantors to make a real choice: Lenders' practices in taking third party guarantees, Journal of Banking and Finance - Law and Practice p182-202
- McGill DP, Corones SG, Howell N, (2012) Regulating the cost of small loans: Overdue or overkill?, Company and Securities Law Journal p149-169
- Howell NJ, (2009) National consumer credit laws, financial exclusion and interest rate caps: the case for diversity within a centralised framework, Competition and Consumer Law Journal p212-233
- Wilson T, Howell NJ, Sheehan G, (2009) Protecting the most vulnerable in consumer credit transactions, Journal of Consumer Policy p117-140
- Howell N, Wilson T, (2008) The limits of competition: reasserting a role for consumer protection and fair trading regulation in competitive markets, The Yearbook of Consumer Law 2009 p147-174
- Howell N, Wilson T, Davidson J, (2008) Interest rate caps: protection or paternalism [CCCL Research Paper] p1-132
For more publications by this staff member, visit QUT ePrints, the University's research repository.