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Hans-W. Micklitz - Modernising Consumer Law

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Hans-W. Micklitz (ed.)

Modernising Consumer Law

Series: Schriftenreihe des Instituts für Europäisches Wirtschafts- und Verbraucherrecht e.V.

Volume 34 2012

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Thomas Roethe Consultancy to the Legal Reform of Serbia: Consumer Law, Consumer Protection S. 403-485

„… 403 Consultancy to the Legal Reform of Serbia: Consumer Law, Consumer Protection Thomas Roethe …” „… establishing consumer law and consumer protection as means of building a civil society in Serbia and how …” „… discuss consumer law and consumer protection. However, this initiative, which would have had an enormous …”

Marija Karanikic, Hans-W. Micklitz, Norbert Reich Explanatory Memorandum to the Draft Proposal of a Model Consumer Law (MCL) and the Final Text of the Serbian Consumer Protection Act (SCPA) S. 163-208

„… , Official Journal of RS No. 73-10. The first framework law on consumer protection in Serbia was enacted in …” „… draft a new law. The legal basis for redefining the system of consumer protection in Serbia and …” „… are not labelled as “consumer protection instruments”. Since Serbia is not formally bound by EU law …”

Hans-W. Micklitz The Law of the Western Balkan Countries in the Mirror of Consumer Law S. 9-162

„… Adopted Consumer Laws 74 a) Consumer Law in Consumer Protection Legislation 74 b) Consumer Law – The …” „… Content of Consumer Protection Laws 76 b) Structure 78 4. Scope Structure and Content of Consumer Law in …” „… Law 21 Year EU Measures Content Impact on Consumer Protection 1995 White Paper Preparation of …”

Ruth Anna Büttner, Drago Trbojevic Consumer Organisations in Serbia, Croatia, Montenegro and FYR Macedonia S. 377-402

„… according the Consumer Protection Law 2010 390 III. 392 Consumer Organisations in Croatia IV. 394 …” „… Protection Law. The complete SMS service for consumers is promised “for the future”. This kind of behaviour …” „… of consumer organisations according the Consumer Protection Law 2010 With the new Consumer …”

Consumer Protection Act 16 detailed Tables of comparison S. 221-376

„… 221 CONSUMER PROTECTION ACT Model Law (by ZAP) SCPA Chapter I – Main Provisions Chapter I …” „… out by the provisions of this Law. The Ministry in charge with the consumer protection shall …” „… result, that the consumer will benefit from the protection afforded by this Law; (6) that the right of …”

Marija Karanikic, Norbert Reich A Note on the New Serbian Consumer Legislation Annex I to the Explanatory Memorandum S. 209-216

„… ministry in charge of consumer protection, and to reserve the opportunity to propose a separate law …” „… undermine the idea of adding the rules on consumer credit to the umbrella law on consumer protection, was …” „… 2011, the Serbian National Assembly passed a new Law entitled Protection of Consumers of Financial …”

Introduction S. 7-8

„… in developing a comprehensive Model Law of consumer protection based on the acquis. The aim was to …” „… Model Law and Art. 5 (24) of the SCPA with Art. 3 (2) Dir. 93/13/EEC). In its Consumer Protection Act …” „… “Europeanisation” and “Modernisation” of Serbian consumer law on consumer protection remains to be seen and should …”

Marija Karanikic, Norbert Reich A Note on Out-of-Court Settlement in the New Serbian Consumer Protection Legislation Annex II to the Explanatory Memorandum S. 217-220

„… Out-of-Court Settlement in the New Serbian Consumer Protection Legislation 217 A Note on …” „… Out-of-Court Settlement in the New Serbian Consumer Protection Legislation Annex II to the Explanatory …” „… ) represent one of the fundamentals of EU consumer policy.1 The newly enacted Serbian Consumer Protection …”

Titelei/Inhaltsverzeichnis S. 1-6

„… Draft Proposal of a Model 163 Consumer Law (MCL) and the Final Text of the Serbian Consumer Protection …” „… Consultancy to the Legal Reform of Serbia: Consumer Law, 403 Consumer Protection Thomas Roethe …” „… Modernising Consumer Law Marija Karanikic | Hans-W. Micklitz | Norbert Reich The Experience of the …”

doi.org/10.5771/9783845243429

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Bundesministerium der Justiz und für Verbraucherschutz (ed.), Max-Planck-Institut für Innovation und Wettbewerb (ed.)

Data Access, Consumer Interests and Public Welfare

2021

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Axel Metzger Access to and porting of data under contract law: Consumer protection rules and market-based principles S. 287-318

„… Access to and porting of data under contract law: Consumer protection rules and market-based …” „… consumer protection, on possible data access rights. It should be obvious that contract law is of main …” „… of contract, consumer protection and other policies (e.g. protection of employees, commercial agents …”

Louisa Specht-Riemenschneider Data access rights – A comparative perspective S. 401-438

„… of the consumer derived from European data protection law, see also 1.102 et seq. of the Explanatory …” „… Portability and Accountability Act (HIPAA) and the Consumer Protection Principles (CPP) and for minors in the …” „… CCPA, which will be discussed in detail later on. CPP The Consumer Protection Principles are intended …”

Josef Drexl Data access as a means to promote consumer interests and public welfare – An introduction S. 11-24

„… literature on the relationship between data protection law and consumer law on the EU level in particular …” „… match? A closer look at the relationship between EU consumer law and data protection law’ (2017) 54 …” „… collective interest of consumers. This explains why it is commonly argued that competition law aims at …”

Christine Lambrecht Special Address of the Federal Minister of Justice and Consumer Protection S. 7-10

„… Special Address of the Federal Minister of Justice and Consumer Protection Christine Lambrecht The …” „… topic of the 2019 Consumer Law Conference – ‘Data access, consumer interests and public welfare’ – is a …” „… Consumer Law Conference. But of course, economic interests must also be taken into account. One important …”

Josef Drexl Connected devices – An unfair competition law approach to data access rights of users S. 477-528

„… law: Consumer protection rules and market-based principles’, in this volume, Part B. 65 See Metzger (n …” „… consumer in the sense of European consumer law. Thus, this chapter is also designed as a contribution to …” „… the development of European consumer law in the digital era. But it is not limited to consumer law …”

Wolfgang Kerber From (horizontal and sectoral) data access solutions towards data governance systems S. 439-476

„… law: Consumer protection rules and market-based principles’, in this volume, who is sceptical about …” „… competition law, consumer law, data protection (privacy) law, standardisation policy, or direct regulatory …” „… Competitiveness in the Age of Big Data: The Interplay between Data Protection, Competition Law and Consumer …”

Titelei/Inhaltsverzeichnis S. 1-6

„… Edited by German Federal Ministry of Justice and Consumer Protection Max Planck Institute for …” „… Ministry of Justice and Consumer Protection Max Planck Institute for Innovation and Competition …” „… Federal Ministry of Justice and Consumer Protection | Max Planck Institute for Innovation and Competition …”

Jörg Hoffmann Safeguarding innovation in the framework of sector-specific data access regimes: The case of digital payment services S. 343-400

„… solved within other legal regimes, i.e. data protection law, consumer protection law or (general …” „… specific consumer protection laws and financial supervisory laws.116 In Europe, however, the disruptive …” „… purpose if the consumer understands what data protection really means. According to most recent empirical …”

Bertin Martens Data access, consumer interests and social welfare – An economic perspective on data S. 69-102

„… protection. That in itself may have signal value that can be exploited against consumer interests.46 An …” „… consumers and producers. Mainstream competition law focuses on a narrower consumer welfare benchmark, even …” „… Data access, consumer interests and social welfare – An economic perspective on data Bertin Martens …”

Heike Schweitzer, Robert Welker A legal framework for access to data – A competition policy perspective S. 103-154

„… . An Analytical Framework for EU Competition, Data Protection and Consumer Law’ (2019) TILEC Discussion …” „… : Competition Law, Consumer Law and Data Protection’ (2016) Gewerblicher Rechtsschutz und Urheberrecht …” „… , including, where applicable, consumer protection law, to competition law and, as a measure of last resort …”

Michael Grünberger Data access rules: The role of contractual unfairness control of (consumer) contracts S. 253-286

„… Metzger‚ ‘Access to and porting of data under contract law: Consumer protection rules and market-based …” „… contract has a choice-of-law clause, the German consumer will still enjoy the protection by the mandatory …” „… control of (consumer) contracts Michael Grünberger* (Responsive) Contract law shall be Queen Legal …”

Christian Reimsbach-Kounatze Enhancing access to and sharing of data: Striking the balance between openness and control over data S. 25-68

„… firms can also be regulated by competition law.57 And in the case of personal data, privacy protection …” „… for Law (2019) 19; Francesco Banterle, ‘The Interface Between Data Protection and IP Law: The Case of …” „… Protection and Intellectual Property Law (2018) 411. 65 Paul Hofheinz and David Osimo, ‘Making Europe a Data …”

Heiko Richter The law and policy of government access to private sector data (‘B2G data sharing’) S. 529-572

„… , Consumer Protection and Intellectual Property Law (Springer 2018) 527. 19 An illustrative example is the …” „… Smart Cities’ (2018) Journal of European Consumer and Market Law 154. 37 See van Ooijen, Ubaldi and …” „… general, consumer protection, research and market monitoring.45 Yet there is no particular order or …”

Indra Spiecker genannt Döhmann The legal framework for access to data from a data protection viewpoint – especially under the GDPR S. 175-208

„… protection. Article 20 GDPR is a clear sign that data protection is increasingly including a consumer law …” „… other regulatory aspirations, as well, predominant among them consumer protection law and competition …” „… interest laws it contains,48 its importance initially rests in making data protection law applicable for …”

Matthias Leistner The existing European IP rights system and the data economy – An overview with particular focus on data access and portability S. 209-252

„… : Competition Law, Consumer Law and Data Protection’ (2016) Gewerblicher Rechtsschutz und Urheberrecht …” „… copyright law, patent law and trade secrets protection should ideally not add unnecessary legal barriers to …” „… the information as well as by possible trade secret protection.26 Patent law: from protection of data …”

Contributors S. 573-574

„… , Germany. Christine Lambrecht Federal Minister of Justice and Consumer Protection, Member of the german …” „… Constitutional Law, Information Law, Environmental Law and Legal Theory; Director Data Protection Research …” „… Institute for Innovation and Competition in Munich, Honorary Professor of the Faculty of Law of the …”

Thomas Fetzer The constitutional framework for data access rights S. 155-174

„… protection of Article 5(1), first sentence, alt. 2 of the Basic Law and therefore no longer be revoked …” „… conjunction with Article 1(1) of the Basic Law).34 The extensive statutory data protection regulations for the …” „… without further legal protection and are, therefore, in need of legal protection.37 Based on this case law …”

Ruth Janal Data portability under the GDPR: A blueprint for access rights? S. 319-342

„… data.2 Under the EU’s General Data Protection Regulation (GDPR), the data subject is granted …” „… ; Andreas Wiebe, ‘Protection of industrial data – a new property right for the digital economy?’ (2016 …” „… Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal …”

doi.org/10.5771/9783748924999

Aurelia Colombi Ciacchi - Protection of Non-Professional Sureties in Europe: Formal and Substantive Disparity

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Aurelia Colombi Ciacchi (ed.)

Protection of Non-Professional Sureties in Europe: Formal and Substantive Disparity

Series: Schriftenreihe des Zentrums für Europäische Rechtspolitik der Universität Bremen (ZERP)

Volume 49 2007

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Mel Kenny The Uncommon Core of European Suretyship Law S. 361-383

„… demarcations and differentiations within private law generally, locating consumer protection to different …” „… Dutreuil, (Section L. 341-1 to 341-6, Consumer Code). Consumer protection law thus now predominates in the …” „… balance struck in French law is skewed towards consumer protection and and especially vulnerable surety …”

Aurelia Colombi Ciacchi The Protection of Non-Professional Sureties in Europe: A Research Project S. 15-21

„… In most countries, those suretyships fall outside of the scope of consumer protection law altogether …” „… a too high level of protection have adverse effects on the access to credit of SMEs, consumers or …” „… follow a different approach since it extended the scope of protection also to consumers’ personal …”

Peter Rott Germany and Austria S. 51-103

„… . Differences to German Law 84 II. Special Statutory Provision: § 25d Consumer Protection Act 86 1 …” „… to the protection or otherwise of the guarantor (D.). Finally, the interaction of contract law and …” „… guarantee has become the most common surety, in particular in consumer credit law. One might go as far as …”

Sophie Vigneron France, Belgium and the Netherlands S. 103-153

„… from the protection of consumer law because the origin of the debt was professional. Successful claims …” „… the protection offered by consumer law to all natural persons by the 2003 Act does make credit …” „… protection to consumer law. There are now rules for consumers and similar (if not identical) rules for ‘all …”

Gina Gioia Italy, Portugal and Slovenia S. 215-259

„… 2. Consumer Law (Consumer Protection Act, Standard Forms Act, Consumer Credit, Doorstep Selling …” „… transactions – 29 the law does not offer the consumer much protection. Firstly, there is no interest rate cap …” „… 2. Consumer Law (Consumer Protection Act, Sandard Forms Act, Consumer Credit, Doorstep Delling Act …”

Aurelia Colombi Ciacchi Formal and Substantive Disparity in European Suretyship Law: A Comparative Summary S. 383-396

„… of protection of non-professional sureties against unfair banking practices from an EC law viewpoint …” „… ultimately consolidated by a legislative reform. According to the new § 25d Consumer Protection Act …” „… consumer or a business loan. Now the surety protection in France goes so far that it applies not only to …”

Annina H. Persson The Nordic Countries S. 259-340

„… standing legislative tradition for the protection of consumers and other weak parties,14 the law on …” „… been recent discussions regarding legislation in the consumer protection field of law, according to …” „… the protection of consumers in Nordic law has been to provide non-expensive com …”

Ulrich Drobnig Proposed European Rules on Surety Protection S. 341-360

„… . Consumer Protection in Entering into a Suretyship 345 IV. Special Substantive Rules 347 A. General …” „… “legislation”, e.g. in the broad fields of consumer and employment protection; - direct application in the …” „… rules in general; the third with the consumer’s protection in the process of assuming a suretyship; the …”

Walter van Gerven The Social Dimension of European Private Law: How Uniform Should It Be? S. 43-50

„… economic towards the social dimension but because consumer protection became part of the internal market …” „… in that respect of the existing Treaty provisions relating to consumer and environmental protection …” „… above (supra nr. 5), the social dimension – in addition to the protection of consumers and the …”

Gerard McCormack England, Scotland and Ireland S. 153-215

„… 170 II. Consumer Credit Act Protection 174 F. Vitiating Factors and Contracts of Surety Guarantee …” „… legislative challenge. Statutory protection of a limited kind is, however, provided by the Consumer Credit …” „… talking about the protection of surety guarantors under common law systems and particularly England, it …”

Christoph U. Schmid Private Suretyships as a Socio-Legal Crucible of Modern Civil Law S. 21-43

„… case“; it concerns the basic private law problem of the coordination of freedom and social protection …” „… paternalistic consumer law, an excessively socially instrumentalised law of torts and too farreaching judicial …” „… operations, its ordoliberal-plural successor concentrates on the law’s preventive and conduct-steering …”

Titelei/Inhaltsverzeichnis S. 2-8

„… : Austrian Reactions to German Developments and Original Ways of Consumer Protection 71 France, Belgium and …” „… Embrasse, Mal Etreint” 103 Vincent Sagaert The Protection of Non-Professional Sureties Belgian Law 121 …” „… Sjef van Erp Protection of Non-Professional Sureties under Dutch Law: A Fragmented Approach 141 …”

ABBREVIATIONS S. 9-14

„… Journal C.L.P. Commercial Law Practitioner Cardozo L.Rev. Cardozo Law Review CCA Consumer Credit Act …” „… Protection Act 1976 FI Finansinspektionen FiU Riksdagens finansutskott FLR Family Law Reports Fn …” „… of European Law Conv. Conveyancer & Property Lawyer Cp odločba Višjega sodišča v civilni zadevi …”

doi.org/10.5771/9783845205366

Luzius Mader, Heinz Schäffer - Text and Context - The Development of Legal Techniques and Legal Culture in the New Context of Europ

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Luzius Mader (ed.), Heinz Schäffer (ed.)

Text and Context - The Development of Legal Techniques and Legal Culture in the New Context of Europ

Series: International Association of Legislation (IAL) / Deutsche Gesellschaft für Gesetzgebung (DGG)

Volume 15 2010

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Attila Menyhárd The Development of Legal Techniques and Legal Culture in the New Context of Europe – Hungarian Report S. 83-92

„… implementation of consumer protection directives – strongly influences the structure of private law regulation …” „… law regulation. The main problem may be that the incorporation of consumer protection legislation …” „… necessary flexibility of private law. Consumer protection as an autonomous branch of law is a result of …”

doi.org/10.5771/9783845223865

Eva Kocher, Doris Neuberger, Geraint Howells, Luca Nogler - Sozialer Verbraucherschutz

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Eva Kocher (ed.), Doris Neuberger (ed.), Geraint Howells (ed.), Luca Nogler (ed.)

Sozialer Verbraucherschutz

2023

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Olha O. Cherednychenko Financial Supervision and Consumer Protection in the Post-Crisis European Union: An Uneasy Relationship S. 303-310

„… in terms of financial consumer protection.Towards European supervision private law: What about …” „… of Private Law 2015, 621. Financial Supervision and Consumer Protection 307followed, for example, by …” „… Financial Supervision and Consumer Protection in the Post-Crisis European Union:An Uneasy …”

Christine Riefa Consumer Education and Information Rights in Financial Services S. 345-360

„… -4657, [37].27 Howells and Weatherill, Consumer Protection Law (2nd ed, Ashgate 2005) 5.28 See for …” „… cannot be the only means of consumer protection, but merely one tool. More coercive tools against …” „… , ’Errare humanum est: Financial Literacy in European Consumer Credit Law’ (2012) 35 JCP 307, 311 and Veerle …”

Publications of Udo Reifner (books in italic) S. 391-413

„… –Logic of consumer law and consumer protection)391(2018) Diritto Europeo e Credito (ir)responsabile, in …” „… and the elderly)(2012) Financial Services and Consumer Protection – From Private Law to Bank …” „… 044 (uv. Mskrpt) (Protection of the Economic Interest of Consumers with Financial Services – Draft Law …”

Alan White Sovereign Debt and Human Rights S. 259-268

„… on responsible credit, develop an interest in strict consumer protection and usury? Unfortunately …” „… and limit exclusion; they create protection and trust to which consumers respond with increased …” „… transborder financial services, where the Commission wanted us to show that national consumer protection is …”

Nuno Manuel Pinto Oliveira Verbraucherschutz und Neo-Liberalismus S. 183-190

„… to consumer protection law arising from neoliberal politics [Reifner, U. (2009) pp. 3-11 …” „… contract law, consumer protection is a matter of market-rational welfarism [see Wilhelmsson, Th. (2004) p …” „… reference of European sales law. In keeping with the example of European consumer law, the draft common …”

Iain Ramsay Responsible Credit and the European Coalition for Responsible Credit S. 227-230

„… , albeit subject to consumer protection measures which promoted confidence in the market. Early work by the …” „… consumer credit protection where ‘the debtor must learn to adapt to the market’, arguing that consumer …” „… protection including responsible business conduct and fair treatment of consumers. The World Bank indicates …”

Christian Joerges Where the Law Ends – Why the OMT Controversy is Undecidable S. 327-342

„… meaning. Consumer protection is allocated to private law and thus separate from the general interest of …” „… it.Civil law, financial services, and consumer protection are central elements of human relations in …” „… crisis and inspired by the hope that the law might provide protection for the less powerful. This essay …”

Titelei/Inhaltsverzeichnis S. 1-18

„… - Rechtsdurchsetzung" therefore deal with the effectiveness deficits of legal protection under consumer law, the risks …” „… the law of "credit and consumer debt" and is still active in this area with concrete interventions and …” „… shortcomings in the effectiveness of legal protections for consumers, the complexities of policymaking and …”

Antônio Herman Benjamin, Claudia Lima Marques Udo Reifner - ein Künstler der juristischen Sprache S. 51-52

„… European context. While most western countries are gradually replacing consumer protection law with …” „… consumer law, Brazil has developed a substantial set of protective laws that embody a firm commitment to …” „… , Brasília.51Replik (6) Brazil – El Dorado in Consumer Protection Thank you for your warm greetings. It is a …”

Johanna Niemi Usury – A Forgotten Concept? S. 253-258

„… administrative/consumer protection regulation. These three disciplines of law approach usury in different ways and with …” „… liability, proceed to civil law and finally to administrative/consumer protection law, which is market …” „… lawProtect consumers, standard contracts InstitutionConsumers as (a) group Loss of licence; prohibition of …”

Luisa Antoniolli Social Contracts in the light of the Common Frame of Reference S. 197-208

„… example consumer protection), this is possible only insofar as it is not disruptive of the economic fabric …” „… consumer protection and internal market (art. 169, 114 TFEU) to propagate the idea of a European Civil Code …” „… Common Frame of Reference201consumer law, provides an applicable civil code instead of mere principles …”

Damon Gibbons Responsible Credit in the EU: National Law, the New EU-Directive and Beyond S. 237-242

„… followed the first EU Consumer Credit Directive but is part of the tradition of civil law with its rules on …” „… Responsible Credit in the EU:National Law, the New EU-Directive and BeyondDamon GibbonsComment on …” „… : Udo Reifner, Responsible Credit in the EU – National Law, the new EU-Directive and Beyond, in: Delia …”

Joseph Spooner Responsible Bankruptcy S. 243-252

„… Protection, and Consumer Protection in Consumer Bankruptcy, The’ (1994) 68 American Bankruptcy Law Journal …” „… Consumer Credit Law (1 edition, Eleven International Publishing 2014).Introduction“Responsible Bankruptcy …” „… in (consumer) credit markets, would have marked a point when private law departs from classical legal …”

Martina Eckardt Market-Based Social Policies – Contributions by Udo Reifner S. 179-182

„… social policy can be seen as a specific kind of consumer protection policy. It uses regulatory …” „… credit to make their ends meet. Thus, financial consumer protection regulation together with policies to …” „… contracts guaranteeing a permanent stream of income. This increases the need for consumer credits, for …”

Nick Huls Udo Reifner, marxist or missionary? S. 35-42

„… class actions, collective agreements, collective consumer protection in bank supervisory law, and …” „… housing law. Consumer law was was seen as a bourgeois affair for the (upper) middle class.Udo argued …” „… . Consumer issues are indirect labor issues. So consumer law can be inspired by the achievements and the …”

Thomas Wilhelmsson Alternative Economic Law: Challenging the Paradigm of Legal Dogmatics S. 115-124

„… for consumer protection in contract law based on collective consumer interests, which, Replik (14 …” „… immense breadth of his work, spanning from consumer law issues relating to, e.g., consumer credit …” „… concerning a new interpretation of private law as well as a sketch for new legislation on consumer credit …”

Christoph U. Schmid Principles of Social Contract Law and Residential Tenancy Law S. 141-152

„… consumer law participated using different languages. The three volumes on LTCs which appeared since then …” „… gave the name LTC. Do tenancy law, consumer credit law, and labour law have something in common that …” „… created binding long-term contracts to stop these attempts to circumvent Life Time protection.Labour law …”

Geraint Howells The Lost Penny S. 111-114

„… protection, it should be addressed in consumer, labour, and tenancy law. Replik (13) The Lost Penny 114 …” „… innovations, especially in the field of law Udo specializes in - consumer credit. Responsible lending is not …” „… consumer contract law, I issued two pennies to an audience member, explaining to the recipient that one …”

Brigitta Lurger Renting a Slave – European Contract Law in the Credit Society S. 171-178

„… : http://consumer-law-and-psychology.uni-graz.at/; Brigitta Lurger, Psychology meets Law: In Search of New Tools for Consumers Self-Protection …” „… ” Netherlands Journal of Consumer Law, 2017/6, 248-256). Auf deren Ergebnisse wird sich hoffentlich eine …” „… Renting a Slave– European Contract Law in the Credit SocietyBrigitta LurgerComment on: Udo Reifner …”

Rafael Encinas de Muñagorri Social Contract Law through Labour Law? S. 163-170

„… of contract did not rule the contract. For the past 230 years, labour protection law has tried (to a …” „… Social Contract Law through Labour Law?Rafael Encinas de MuñagorriComment on: Luca Nogler, Social …” „… Contract Law through Labour Law? in Udo Reifner/L. Nogler (Hrsg.), Life Time Contracts. Social Longterm …”

doi.org/10.5771/9783748914648

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