Dr Andrea Fejos

Senior Lecturer
Essex Law School
Dr Andrea Fejos
  • Email

  • Telephone

    +44 (0) 1206 872601

  • Location

    4SB.4.7, Colchester Campus



Dr Andrea Fejős researches and teaches in (consumer) contract law and banking law. Andrea's research is on the intersection of consumer law and financial regulation, which she calls, financial consumer law. She is currently working two research projects: smart contracts and financial inclusion and assessing affordability in the credit union sector. She is also conducting qualitative research for an interdisciplinary project on exploring determinants of mental health resilience. Andrea's current work draws on her previous 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. In her current work, she also relies on her broad educational background and work experience. In addition to her formal education, Andrea has completed additional training in mediation and negotiation (Humboldt University, 2006), European Law (CEU, 2006), German and European Law (Ludwig Maximilians University, 2007), consumer protection law and policy (European Consumer Organization- BEUC, 2011) and qualitative research (University of Essex, 2020). Andrea completed a placement at the Financial Conduct Authority (2018). 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, and a consumer protection advocate, a volunteer legal adviser to the National Consumer Protection Organization of Serbia (2007-12). She has also worked at the Oxford Citizens Advice Bureau as a researcher and financial education trainer (2015) and served as a Trustee of the Colchester Citizens Advice Bureau (2019). She is a visiting lecturer at the University of Szeged since 2021. Andrea has been an expert consultant on several research projects for the EU Commission and she regularly speaks at the Academy of European Law. Andrea is one of the authors of the popular blog: Recent developments in European Consumer Law and a founding member of the Female Consumer Law Collective. Andrea supervised two PhD students to completion and currently accepts new PhD students within her research area of consumer law, financial consumer law, or more broadly in (comparative) contract law, banking law, and financial services law. Within her administarive work at Essex Law School Andrea is leading the newly established Law and Technoology Taskforce amining to embed the UK legal sector's achievements, limits and challenges with digital technology into UG and PGT curriculums. Andrea is also a Deputy Director of Research Impact leading on impact in business and private law and she established and co-supervises the Consumer Welfare Law Project at Essex Law Clinic.


  • 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)


University of Essex

  • Lecturer, Law, University of Essex (1/9/2015 - present)

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

Other academic

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

Research and professional activities

Research interests

Consumer law

Issues of general consumer law such as unfair contract terms, unfair commercial practices and enforcement of consumer rights (alternative dispute resolution and collective court actions); a comparative approach between national and European consumer law; consumer law and social justice, interplay of consumer and contract law theory with political theory and socio-legal perspectives on social justice.

Financial consumer law

Specialized area of consumer law, retail financial services law covering credit, insurance, investment and payment services; interplay between general consumer law rules and special financial consumer law rules; interplay between private law of financial contracts and public regulation of contracts; powers of financial supervisory authorities; European and national financial consumer law; challenges to consumer protection by new technologies (FinTech).

Conferences and presentations

Social Justice in EU Financial Consumer Law

The Responsible Consumer in Digital Age – International and Nordic Perspectives on Consumer Financial Protection, Copenhagen, Denmark, 31/5/2018

The obligation to assess consumers’ creditworthiness in the UK

Invited presentation, International Conference: the New Paradigm of Consumer Creditworthiness, A Coruña, Spain, 27/10/2017

Recent CJEU case-law on consumer matters

Invited presentation, Annual Conference on European Consumer Law 2017, Academy of European Law, Trier, Germany, 12/10/2017

Challenges in Regulating the Culture of Credit Providers: The UK Experience

Invited presentation, Possible Directions in Improving the Fairness of Contract Terms and Other Aspects of Consumer Lending, 4/4/2017

'Consumer Protection and New Technologies: The Role of Ethics in FinTech Revolution' at University of Essex, Newton Conference: Ethics and Challenges in Chinese Financial Markets, 25 March 2017

Colchester, United Kingdom, 2017

'Strenghtening Consumer Protection and Trust in Key Fileds such as Credit' at University of Oxford, SLS Conference, 7 September 2016

Oxford, United Kingdom, 2016

'Post-crisis EU financial services law: a new direction in consumer protection?' at University of Szeged, School of Law, PhD seminar, September 2015

Szeged, Hungary, 2015

The Vision of a Modern Consumer of Financial Services: the Evolution of EU Law from Free Market to Social Justice Oriented Approach at LSETransnational Law and Social Justice conference, June 2015

London, United Kingdom, 2015

Creating a Legal Regime that Supports Sustainable Access to Financial Services at University of Amsterdam, School of Law,15th International Conference on Consumer Law: Virtues and Consumer Law, July 2015

Amsterdam, Netherlands, 2015

Teaching and supervision

Current teaching responsibilities

  • Contract Law (LW101)

  • Banking Law (LW224)

Previous supervision

Feifan Guo
Feifan Guo
Thesis title: Study on Establishing a Financial Consumer Alternative Dispute Resolution Scheme in China
Degree subject: Law
Degree type: Doctor of Philosophy
Awarded date: 4/10/2021
Geleite Xu
Geleite Xu
Thesis title: Reforming China’S Crisis Management and Market Exit Mechanism for Insurers – a Comparative Legal Study Between China, the UK and the US
Degree subject: Law
Degree type: Doctor of Philosophy
Awarded date: 1/3/2021


Journal articles (14)

Fejos, A., (2022). Substantive harmonisation of cost caps on consumer credit: one step forward two steps sideways. European Journal of Consumer Law. 2022 (2), 245-272

Fejős, A., (2021). From Information Provision to (Direct and Indirect) Product Intervention; Case Note on Soho Group (C-686/19). Journal of European Consumer and Market Law. 10 (5), 200-206

Fejős, A., (2020). Regulating the fairness of (loan) contracts. A case-note on OTP Bank and Dunai. European Journal of Consumer Law (2), 353-363

Fejős, A., (2019). Social justice in EU financial consumer law. Tilburg Law Review. 24 (1), 68-88

Fejős, A., (2018). Consumer ADR in Hungary. Journal of European Consumer and Market Law. 7 (3), 116-120

Fejős, A. and Willett, C., (2016). Consumer Access to Justice: The Role of the ADR Directive and the Member States. European Review of Private Law. 24 (1), 33-60

Fejős, A., (2015). Achieving Safety and Affordability in the UK Payday Loans Market. Journal of Consumer Policy. 38 (2), 181-202

Fejős, A., (2013). The Impact of EU Norms and Policies on Consumer Protection Enforcement in Serbia. Journal of Consumer Policy. 36 (3), 247-268

Fejős, A., (2009). The Impact of Information on Responsible Lending and Responsible Borrowing in the European Union. Pravni zivot (Legal Life- Serbian Journal of Legal Studies). 6 (12), 751-764

Fejős, A., (2008). Consumer protection in sales transactions in Hungary. Acta Juridica Hungarica. 49 (4), 441-468

Fejős, A. and Papović, G., (2008). Uloga Sporazuma o stabilizaciji i pridruživanju u zaštiti potrošaca (The Role of Stabilization and Association Agreement in Consumer Protection). Izazovi Evropskih integracija (Challenges of European Integration). 1 (1), 45-60

Fejős, A., (2007). Battle of the Forms under the Convention on Contracts for the International Sale of Goods (CISG): the Application and Interpretation of Art. 19 CISG. Pravni zivot (Legal Life- Serbian Journal of Legal Studies). 4 (12), 451-464

Fejős, A., (2007). Battle of the Forms under the Convention on Contracts for the International Sale of Goods (CISG): A Uniform Solution?. Vindobona Journal of International Commercial Law and Arbitration. 11 (1), 113-129

Fejős, A., (2004). Az emberi jogok magasabb védelme Vajdaságban: jogrendszerünk új intezménye – az ombudsman (Higher Protection of Human Rights: the Role of Ombudsman in Vojvodina). Létünk (Our Existence: Society, Science, Culture -Interdisciplinary Journal of the Hungarian Minority in Serbia). 3-4, 17-35

Book chapters (2)

Amajuoyi, U. and Fejős, A., (2023). Mind the Consumer Protection Gap: the UK Financial Ombudsman Service, Fairness and Reasonableness, and the Law. In: Consumer Protection in Financial Services. Editors: Tereszkiewicz, P. and Golecki, M., . Brill. 978-90-04-53438-4

Fejős, A., (2013). Fairness of Contract Terms in European and Serbian Law. In: Strengthening Consumer Protection in Serbia. Editors: Bourgoignie, T. and Jovanić, T., . University of Belgrade, Faculty of Law. 186- 201

Other (2)

Fejos, A., Response submitted to the EU Commission regarding the public consultation on Directive 2008/48/EC on Consumer Credit

Fejos, A., Response to the Finacial Conduct Authority's Consultation Paper CP 18/13 on Overdrafts

Grants and funding


Civil law rules applicable to smart contracts

VVA Brussels s.p.r.l.

Exploring determinants of Mental Health Resilience in Greenstead

North East Essex Clinical Commissioning Group

+44 (0) 1206 872601


4SB.4.7, Colchester Campus

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