Iain Ramsay is Professor of Law at the University of Kent. His primary areas of research are regulation of consumer markets and consumption relations at the national and international level and consumer bankruptcy. Professor Ramsay has written several books and articles on consumer law and bankruptcy including several empirical studies of consumer bankruptcy, consumer redress and small claims courts. He has acted as a consultant on consumer law and policy to governments and NGOs in Canada, Europe and South America. He was a member of the Canadian Federal Task Force on Personal Insolvency (2000-2002) and is an elected member of the American Law Institute.