Dr Andrea Fejos

Biography

Dr Andrea Fejős is a Senior Lecturer (Associate Professor) at Essex Law School. She is also a Visiting Lecturer at the Business Law Centre of the University of Szeged and a Senior Fellow of the UK Higher Education Academy. Before joining Essex Law School in September 2015, Andrea was a Lecturer at the Faculty of Law and Business Studies, Dr Lazar Vrkatic in Serbia (2007-12). Andrea researches and teaches in the areas of consumer law, contract law and banking law. Her main research interest is retail financial services law at the intersection of consumer law and financial regulation, which she calls 'financial consumer law.' Within this, her current research focuses on: - responsible lending and responsible borrowing in the credit union sector - vulnerable consumer borrowers - protection of victims of authorised push payment fraud - the social role of banks and basic bank accounts - financial consumer law and digital technologies. Andrea's current work draws on her previous consumer law research on standard form contracts, unfair contract terms, consumer credit, consumer alternative dispute resolution, and enforcement of consumer rights, which she published in leading journals such as the Journal of Consumer Policy and the European Review of Private Law. Andrea’s research is doctrinal and socio-legal, and she enjoys being part of multi-disciplinary teams. Andrea is currently a supervisor in a knowledge transfer partnership project funded by Innovate UK to develop a new Digital Product Passport module for a SaaS provider to comply with the EU’s Ecodesign for Sustainable Products Regulation (2026-29). Previously, she was part of a team that explored the determinants of mental health resilience in Greenstead, funded by the North Essex Clinical Commissioning Group. Within these projects, her work focused on: · credit, food poverty and mental health · artificial intelligence, consumer law and sustainability. Andrea is passionate about improving the real lives of consumers. In addition to her academic work, Andrea served as a consumer protection advocate, a volunteer legal adviser to the National Consumer Protection Organisation of Serbia (2007-12), worked at the Oxford Citizens Advice Bureau as a researcher and financial education trainer (2015) and as a Trustee of the Colchester Citizens Advice Bureau (2019). Andrea has been an expert consultant for the EU Commission studies. She is an Individual Member of Finance Watch and a Coordinator of the work of the European expert group - Financial Inclusion Europe. She regularly delivers training at The Academy of European Law (ERA) to lawyers, judges, in-house counsels, and regulatory authorities. She is an author of a popular blog, 'Recent Developments in European Consumer Law', widely read by lawyers, policymakers, judges, practitioners, and academics. She has recently been appointed to the NPL Working Group, an advisory body to the European Commission on non-performing loans. In recognition of her work on influencing EU consumer law, in 2023 Andrea was awarded an Impact Award by the Faculty of Arts and Humanities of the University of Essex. Since 2020, Andrea has been working with the British credit union sector. In 2025, she published the Guide on Affordability Assessment for British Credit Unions, which is the first collection of best practices that represents a significant step toward strengthening lending standards within credit unions while preserving their role in serving financially vulnerable populations. The Guide was the result of a two-year project that included comprehensive research and collaborative dialogue with the credit union sector, the Financial Ombudsman Service, and the Financial Conduct Authority, with the support of the Association of British Credit Unions Limited (ABCUL). She is now working on creating an information sheet for credit union members on affordability assessment. At Essex Law School, Andrea co-created and was the first director of the Business Law Clinic (2023-25) and led the Law and Technology Strategy, resulting in the creation of the LLM in Law and Technology. Andrea also pioneered the use of large language models for teaching in learning with the Contract Law module. Andrea is currently the Director of Impact and Engagement and a module leader of LW224 Banking Law.

Qualifications

• PhD University of Szeged, Hungary (2014)

• LLM in Banking and Finance Law, Queen Mary, University of London (2014)

• LLM in International Business Law, Central European University (2006)

• LLB University of Novi Sad, Serbia (2004)

Appointments

University of Essex

• Lecturer, Law, University of Essex (1/9/2015 - 23/10/2023)

• Visiting Lecturer, Business Law Institute, University of Szeged, Faculty of Law and Political Scieneces (1/12/2022 - present)

• Senior Lecturer, Essex Law School, University of Essex (1/10/2023 - present)

• Director of Impact and Engagement, Essex Law School, University of Essex (1/1/2026 - present)

• Business Law Clinic Director, Essex Law School, University of Essex (2023 - 2025)

• Law and Technology Lead, Essex Law School, University of Essex (2022 - 2025)

Other academic

• Lecturer, Law, Faculty of Law and Business Studies Dr Lazar Vrkatic, Union University (1/9/2007 - 1/9/2012)

• External Examiner, Dickson Poon School of Law, King's College University of London (2021 - 2024)

• Visiting Scholar, School of Law, University of California, Berkeley (2010 - 2010)