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On 11 April 2018, the European Commission adopted a proposal for a directive on better enforcement and modernisation of EU consumer protection rules, as part of its 'new deal for consumers' package of measures. The proposal followed a fitness check of consumer legislation and an evaluation of the Consumer Rights Directive that showed that EU consumer legislation could benefit from certain aspects being clarified and brought into line with the reality of the digital economy. Following negotiations ...

This study, commissioned by the European Parliament’s Policy Department for Citizens’ Rights and Constitutional Affairs at the request of the PETI Committee, deals with so called dual quality products, that is goods (food products, detergents, cosmetics, toiletries and products intended for babies, etc.) marketed on the Single Market under the same brand or trademark but with differences in content, composition or quality in individual EU Member States. The issue of dual quality products is one of ...

From post-truth to post-trust?

Auf einen Blick 25-10-2018

Is the 'very concept of objective truth' fading out of the world, as George Orwell wrote in his Homage to Catalonia in the 1930s? Or is truth even 'dead', as Time magazine asked in 2017? Can we draw clear lines between objective facts, spin and lies? What are the consequences of 'truth decay' for trust, democracy and multilateralism?

This note, prepared by Policy Department A for the Committee on Economic and Monetary Affairs, gives an overview of five studies on Mis-selling of financial products which were published in June 2018.

EU consumer protection rules

Briefing 10-07-2018

The IA is aimed at underpinning new legislation in the field of consumer protection, as called for in various European Parliament resolutions. It represents a considerable body of work, based on extensive evaluation and consultation. Methodological weaknesses include the narrow range of options to calibrate the evaluation findings. Secondly, there are some presentation issues, which do not facilitate consideration of the Commission’s choices. For instance, the large space devoted to consultation ...

Es kann für Verbraucher schwierig sein, potenziell schädliche oder unlautere Geschäftspraktiken zu erkennen, wenn sie Geschäftsbeziehungen mit Gewerbetreibenden eingehen. Andererseits haben Unternehmen und Durchsetzungsbehörden möglicherweise in manchen Situationen Schwierigkeiten bei der Anwendung und Auslegung von EU-Rechtsvorschriften im Hinblick auf Geschäftspraktiken. Auch wenn die Zuständigkeit für die Auslegung des Unionsrechts ausschließlich beim Gerichtshof der Europäischen Union liegt, ...

Although there has not been yet any specific legislative proposal to amend Directive 2006/114 concerning misleading and comparative advertising, the intention of the European Commission to simplify and consolidate this Directive may tackle some of the problems connected with the current legislation. Parliament repeatedly called for changes and further actions in this field, in particular with regard to prevention of misleading marketing practices and urging the EU Member States to enhance their mutual ...

Over the next few years, mobile commerce in Europe is expected to grow at an average compound annual rate of 42%. The way in which consumers purchase goods and services is changing significantly as new technologies permit the development of an increasing number of cashless payment solutions. There are various forms of mobile payment (payment, for which the payment data and the payment instruction is initiated, transmitted or confirmed via a mobile phone or device). They include payments via SMS, ...

Im Rahmen dieses Dokuments soll eine erste Bewertung der Stärken und Schwächen der Folgenabschätzung der Kommission vorgelegt werden, die dem von der Kommission im Mai 2013 vorgelegten Vorschlag für eine Richtlinie über die Vergleichbarkeit von Zahlungskontogebühren beigefügt ist. Es analysiert, ob die in den eigenen Leitlinien der Kommission zur Folgenabschätzung festgelegten wichtigsten Kriterien sowie die vom Parlament in seinem Handbuch zur Folgenabschätzung identifizierten zusätzlichen Faktoren ...

New rules for responsible mortgage lending

Auf einen Blick 05-09-2013

A new Directive on credit agreements relating to residential property aims to facilitate cross-border lending, protect consumers, and prevent irresponsible lending.