Dr Andrea Fejos

School of Law
Dr Andrea Fejos
  • Email

  • Telephone

    +44 (0) 1206 872601

  • Location

    4SB.4.7, Colchester Campus



Dr Andrea Fejos (Fejős) researches and teaches in the areas of (consumer) contract law and financial services law. She has published on a range of topics including on standard form contracts, unfair contract terms, consumer credit, consumer alternative dispute resolution and enforcement of consumer rights. Her work has been published in leading journals such as the Journal of Consumer Policy and European Review of Private Law, and she been expert consultant on several research projects for the EU Commission. Dr Fejos’s current research is in the area of financial consumer law. Her current work is on the effectiveness of the right to cancel insurance contracts. Dr Fejos 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. Dr Fejos currently teaches LW101 Contract Law, LW224 Banking Law and LW108 Law of Obligations. She is the founder and one of the supervisors of the Consumer Welfare Law Project within the Essex Law Clinic. Prior to joining Essex Law School in September 2015, Dr Fejos was a lecturer at the Faculty of Law and Business Studies in Serbia (2007-2012) where she taught a range of modules including Introduction to Civil Law, Law of Obligations, Company Law and Business Law. As a consumer protection advocate, Dr Fejos was a volunteer legal adviser to the National Consumer Protection Organization of Serbia (2007-2012) within which she advised consumers and contributed to the shaping of consumer protection policy. She has also worked at the Oxford Citizens Advise Bureau as a researcher and financial education trainer (2015). Within her practical work, Dr Fejos received specialist training in various aspects of consumer protection law and policy (European Consumer Organization- BEUC, 2011) and in adult financial capability education (Citizens Advice Bureau, 2015). Most recently, Dr Fejos completed a placement at the Financial Conduct Authority (2018) and served as a Trustee of the Colchester Citizens Advice Bureau (2019). Dr Fejos holds an LLB degree from the University of Novi Sad (2004), LLM in International Business Law from the Central European University (2006), LLM in Banking and Finance Law from Queen Mary, University of London (2014) and a PhD in Civil and Commercial law from the University of Szeged (2014). She has also completed additional training in mediation and negotiation (Humboldt University, 2006), European Law (CEU, 2006), German and European Law (Ludwig Maximilians University, 2007) and in qualitative research (University of Essex, 2020). Dr Fejos has been awarded a number of scholarships and fellowships, including the Fulbright Junior Faculty Development Programme academic excellence fellowship for a one term visit to the University of California, Berkeley School of Law (2010). Dr Fejos is currently accepting PhD applications from any of the areas of her broadly set research interests.


  • 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)

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); national and European consumer law

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 FinTech; Fintech transactions in particular peer-to-peer lending; smart contracts; Robo advise; Big Data and consumer protection.

Consumer law and social justice

Interplay of consumer and contract law theory with political theory and socio-legal perspectives on social justice.

Financial regulation

Aims and methods of financial regulation, financial regulation in the UK and the UK, conduct of business regulation, banking and insurance regulation, consumer credit regulation, powers of the regulatory and supervisory authorities

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

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

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

Fejos, A., (2017). Mortgage Credit in Hungary. Journal of European Consumer and Market Law. 6 (3), 139-143

Fejos, 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

Fejos, 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

Fejos, A., (2008). Potrošačka mirovna tela u Mađarskoj - model vansudskog rešavanja sporova potrošača u Srbiji? (Consumer Arbitration Boards in Hungary – Models for Out-of-Court Consumer Dispute Resolution in Serbia?). Pravni život (Legal Life- Serbian Journal of Legal Studies). 5 (13), 483-500

Fejos, A. and Papovic, 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

Fejos, 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

Fejos, 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

Fejos, 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 (1)

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

Reports and Papers (3)

Fejos, A. and Willett, C., (2018). El Nuevo paradigm de la solvenicia del consumidor de creditor en la Union Europea, Jose Manuel Busto Lago (ed.)

Fejos, A., (2017). Study to Support the Fitness Check of EU Consumer Law; Country Report Hungary in Study for the Fitness Check of EU Consumer and Marketing Law, Final report Part 3-Country reporting (2017)

Fejos, A. and Herczeg, A., (2017). Hungary-Report in State of collective redress in the EU in the context of the implementation of the Commission Recommendation

Other (1)

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

+44 (0) 1206 872601


4SB.4.7, Colchester Campus

More about me
Recent developments in European Consumer Law:

Follow me on social media