skip to content
 
Dr Jodi Gardner's picture

Email

jsg61@cam.ac.uk

College Contact Details

Room: Room 3, Merton Hall

Tel: 01223 746473

LLB/B.Int.Rels(Griffith), LLM(ANU), BCL/M.Phil/D.Phil(Oxon)
Fixed-term Lecturer in Private Law; Fellow of St John's College

Interests

My research interest is primarily focused on the interaction between the private law and social policy. Currently my research looks at how common law countries regulate access to high-cost credit (commonly referred to as ‘payday loans’), ensuring a fair balance between freedom, protection and access to welfare. I am interested more generally in how the private law interacts with social policy and social welfare, including the limitations of doctrinal law in responding to the challenges posed by poverty and inequality.

 

CV / Biography

Biography

I am a Fixed-Term University Lecturer in Private Law and a Fellow of St John’s College. Prior to this position, I was a lecturer at Corpus Christi College, University of Oxford where I completed a D.Phil in Contract Law and Consumer Protection - supported by the Sir John Monash Foundation and the Association of Banking and Finance Lawyers. My career started as a consumer advocate at the Centre for Credit and Consumer Law in Australia, before qualifying as a solicitor and working at Clayton Utz Solicitors in litigation and banking and finance, then Caxton Legal Centre as a community lawyer specialising in consumer protection. I have previously held Fellowships at the Centre on Household Assets and Savings Management (University of Birmingham) and the Woodrow Wilson School of International and Public Policy (Princeton University), Columbia Law School and the Max Planck Institute for Comparative and International Private Law, and am currently a Senior Adjunct Research Fellow at the Centre for Banking & Finance Law, National University of Singapore.

Publication List 

Books

  1. Landmark Cases in Consumer Law (Hart Publishing, forthcoming) (with Iain Ramsay) 
  2. The Future of High-Cost Credit: Regulating Payday Lending (Hart Publishing, forthcoming 2021)
  3. The Law of Torts (Palgrave MacMillan, 2021) (with S Green)
  4. Debt and Austerity (Edward Elgar Publishing, 2020) (with M Gray and K Moser)

Book Chapters

  1. ‘Understanding Low-Income Debt in a High-Income Country’ in Gardner, Gray & Moser (eds), Debt and Austerity (Edward Elgar Publishing, 2020) (with M Gray and K Moser)
  2. ‘Austerity and High-Cost Credit: Understanding the Role of a Social Minimum’ in Gardner, Gray & Moser (eds), Debt and Austerity (Edward Elgar Publishing, 2020)  
  3. ‘Austerity and Access to Justice: Exploring the Role of Clinical Legal Education in Cambridge’ in Wei, Nehf & Marques (eds), Innovation and the Transformation of Consumer Law (Springer Publishing, 2020))
  4. ‘High-Cost Credit in the United Kingdom: A Philosophical Justification for Government Intervention:’ in O’Shea & Fairweather (eds) Consumers, Credit & the Law (Ashgate Publishing, 2016)
  5. ‘Responsible lending in the UK: what role does the state play?’ in Ferretti (ed) Consumer over-indebtedness, responsible lending and the insolvency of natural persons in the UK, Germany, Italy and Greece (Eleven Publishing, 2016) (with K Rowlingson and L Appleyard)

  Journal Articles 

  1. ‘Open Banking in Singapore and the United Kingdom: Open possibilities for enhancing financial inclusion’ (2021) Journal of Business Law (accepted for publication) (with E Leong)
  2. ‘Concurrent Liability in Tort and Contract – A Separation Thesis’ (2021) 137 Law Quarterly Review 77 (with J Murphy)
  3. ‘Rethinking Bankruptcy Alternatives in Singapore’ [2020] Singapore Journal of Legal Studies 502 
  4. ‘Online Auctions and Consumer Protection’ (2019) 29(4) Australian Business Law Review (with K Kariyawasam)
  5. ‘Responsible Lending and Borrowing’ (2018) 6 International Journal of Consumer Law and Practice 14 
  6. ‘Unsecured Credit, Moneylending and Protection of a Social Minimum in Singapore’ (2017) 4(1) Studies in Asian Social Sciences 1
  7. 'The Variegated Financialization of Sub-Prime Credit Markets’ (2016) 20(5) Competition & Change 297 (with L Appleyard and K Rowlingson)
  8. ‘Payday lending in the UK: the regul(aris)ation of a necessary evil?’ (2016) 45(3) Journal of Social Policy 527 (K Rowlingson and L Appleyard)
  9. ‘Legal Liability for Financial Advisors in Australia and Singapore: A Comparative Perspective’ (2015) 6(1) Global Review of Accounting and Finance (with P Rajapaske)
  10. 'Unconscionable Conduct and Consumer Protection in Subprime Lending in Australia' (2014) 29(3) Banking and Finance Law Review
  11. 'Traditional Pacific Land Rights and International Law: Tensions and Evolution' (2010) 12(1) Asian-Pacific Law & Policy Journal (with The Hon. Justice Margaret McMurdo)
  12. 'Insolvency Issues in Residential Mortgage Securitisation' (2008) 34(2) Monash University Law Review (with P Rajapaske)

Shorter Articles and Book Reviews 

  1. Book Review: Nick McBride, The Humanity of Private Law (Modern Law Review, 2021)
  2. Book Review: Sarah Brown, The Regulation of Consumer Credit: A Transatlantic Analysis (Cambridge Law Journal, 2020)   
  3. Covid-19, Inequality and Council Tax: A Perfect Storm’, Centre on Household Assets and Savings Management #Buildbackbetter series (with M Gray)
  4. Does Lawful Act Duress Still Exist’, Case Note on Times Travel and Pakistan International Airline Corporation (Cambridge Law Journal, 2019) 
  5. 'High-Cost Credit and Welfare Reform’ (2015) In Defence of Social Welfare, vol II

Selected Reports, Policy Papers & Law Reform Papers/Briefings

  1. Response to Call for Input: High-cost credit, including review of the high-cost short-term credit price cap’ (2017) Financial Conduct Authority Call for Input Response (with K Rowlingson and L Appleyard)
  2. Introducing a Time Delay on Access to Credit: Is it Just Delaying the Inevitable?’ (2015) Research Paper for Archbishop Taskforce on Responsible Credit (with L Appleyard and K Rowlingson)
  3. Regulating Moneylending: Looking at all Sides’, Centre for Banking & Finance Law Report, National University of Singapore (2015)
  4. Capping the cost of payday lending in the UK: What will the impact be? Paper for the Financial Conduct Authority’ (2014) FinCris Research Output: Research Paper Requested by the Financial Conduct Authority (with K Rowlingson and L Appleyard)
  5.  ‘The Challenges of Regulating High-Cost Short-Term Credit: A Comparison of UK and Australian Approaches’ (2014) FinCris Briefing Paper and Case Study

Selected Conferences, Presentations and Invited Lectures

  1. Presentation to National University of Singapore, ‘Bankruptcy and Alternatives’ on behalf of Centre for Banking and Finance Law, Singapore, January 2020
  2. Presentation to National University of Singapore, ‘Open Banking and Financial Inclusion’ on behalf of Centre for Banking and Finance Law, Singapore, January 2020 (with E Leong)
  3. Presentation to National University of Singapore, ‘Personal Insolvency Challenges’ on behalf of Centre for Banking and Finance Law, Singapore, July 2019
  4. Presentation to the Obligations Conference, ‘Beyond Procedural Fairness: Reconceptualising Freedom in High-Cost Credit Contracts’, Melbourne, July 2018
  5. Presentation to the UCL Early Career Obligations Workshop, ‘Beyond Procedural Fairness: Reconceptualising Freedom in High-Cost Credit Contracts’, London, June 2018
  6. Presentation to the Centre for Banking and Finance Law, National University of Singapore on ‘Bankruptcy Laws in Singapore: What Can We Learn’, Singapore, August 2016
  7. Contracts in Commercial Law, ‘Justifying Limitations on Credit Contracts: Ensuring a Social Minimum for Vulnerable Borrowers’, Sydney, Australia, December 2015
  8. International Association of Consumer Law Conference, ‘The Virtues of High Cost Credit?’, Amsterdam, The Netherlands, July 2015
  9. Presentation to the Singaporean Ministry of Law and Institute of Social Policy on Moneylending Law Reform, Singapore, May 2015
  10. Centre for Banking & Finance Law Working Paper Series, ‘Regulating Moneylending: Looking at all Sides’, Singapore, May 2015
  11. International Conference on Trade, Business, Economics and Law, ‘Responsible Borrowing’, Oxford, United Kingdom, March 2015
  12. Attorney-General’s Chambers, Presentation of Moneylending Research Findings and Law Reform Recommendations, Singapore, August 2014
  13. Insolvency and Public Trustee Office, Presentation of Moneylending Research Finding and Law Reform Recommendations, Singapore, August 2014
  14. Presentation to the Centre for the Study of Financial Innovation on the Potential Impact of Caps in the Short-Term Credit Market, London, United Kingdom, June 2014 (with Karen Rowlingson)
  15. Centre for Responsible Credit Annual Conference, ‘Responsible Lending in Australia: What can the UK Learn’, Birmingham, United Kingdom, June 2014
  16. International Association of Consumer Law Conference, ‘Consumer credit in the United Kingdom – Developing a debtor profile’, Sydney, Australia, June 2013

      Grants

  1. 2020: Award from Cambridge Political Economy Society to run a workshop on ‘Debt in the Age of Covid-19’ (£6,000)   
  2. 2019: Award from the SLS Research Activities Fund Application 2019 to fund a Research Assistant for a project identifying victims of financial crime (£3,000)
  3. 2019: Conference Award from St John’s College to run a workshop on ‘Debt in the Age of Austerity’ and produce an edited collection from the workshop presentations (£5,000)
  4. 2018: Conference Award from Centre for Research in the Arts, Social Sciences and Humanities to run a workshop on ‘Debt in the Age of Austerity’ (£2,500 and administrative assistance)