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The ex-ante analysis of this initiative, aimed at addressing impacts on the single market caused by a potential future crisis, implies major uncertainties and limitations, openly acknowledged by the IA (notably owing to a lack of data). Notwithstanding this important caveat, the IA develops a clear intervention logic, linking the problems with objectives to achieve through three policy options, without, however, fully complying with the Better Regulation Guidelines. It assesses the broad scope of ...

Markets in crypto-assets (MiCA)

Briefing 29-11-2022

The European Parliament will shortly vote on adopting the regulation on markets in crypto-assets (MiCA). The regulation would establish harmonised rules for crypto-assets at EU level, thereby providing legal certainty for crypto-assets not covered by existing EU legislation. By enhancing the protection of consumers and investors as well as financial stability, the regulation promotes innovation and use of crypto-assets. The regulation identifies and covers three types of crypto-assets, namely asset-referenced ...

Personalised pricing

Study 29-11-2022

The study conceptualises personal pricing, distinguishing different forms including individual prices and group prices. It summarises empirical insights on the occurrence of personal pricing in practice and related consumer attitudes. In its legal part, it analyses whether and how current EU law deals with this phenomenon and identifies regulatory gaps and legal uncertainty, on the basis of which recommendations for future regulation of personalised pricing are presented. This document was provided ...

Digital Markets Act

Briefing 23-11-2022

EU lawmakers signed a regulation on contestable and fair markets in the digital sector, otherwise referred to as the Digital Markets Act (DMA), in September 2022. The DMA was published in the Official Journal of the European Union on 12 October 2022 and entered into force on 1 November 2022. The new legislation lays down harmonised rules aimed at regulating the behaviour of digital platforms acting as gatekeepers between business users and their customers in the European Union (EU). This approach ...

Digital services act

Briefing 17-11-2022

EU lawmakers have agreed on the digital services act (DSA), which aims to ensure fairness, trust and safety in the digital environment. The regulation entered into force in November 2022. The DSA puts in place a framework of layered responsibilities targeted at different types of online intermediary services, including network infrastructure services (e.g. cloud and webhosting), online platform services (e.g. app stores and social media platforms), and services provided by very large online platforms ...

Taxation in times of high inflation

At a Glance 21-10-2022

A sustained period of high inflation will impact the total sum of a country's tax receipts and the overall composition of its tax revenue. In particular, an overall rise in consumer prices will automatically push up value added tax (VAT) receipts. In response to the current rise in prices, notably for energy, the European Commission has issued guidance to clarify the options available to Member States under EU tax law to support struggling households and businesses.

Making finance sound for young people

At a Glance 20-10-2022

Young people need to be financially literate to access a wide range of financial services and manage their personal finances well. Financial inclusion – access to products delivered in a responsible way – is the way young people practise and develop their financial skills. Consumer protection in financial services should however reduce young people's exposure to risk. The EU is working in these areas, and national and local initiatives are multiplying, often in collaboration with the financial sector ...

Using available data, the AAG examines the practice of granting credit on the legal basis of credit agreements in the form of an overdraft facility and overrunning in the whole EU and, in more depth, in selected Member States. Furthermore, the study analyses the state of consumer protection in the currently valid Consumer Credit Directive on these types of credit agreements and identifies a number of possibilities for future regulations to improve the so far limited protection in this credit sector ...

Using available data, the study examines the practice of granting credit on the legal basis of credit agreements in the form of an overdraft facility and overrunning in the whole EU and, in more depth, in selected Member States. Furthermore, the study analyses the state of consumer protection in the currently valid Consumer Credit Directive on these types of credit agreements and identifies a number of possibilities for future regulations to improve the so far limited protection in this credit sector ...

Adopting the digital services act

At a Glance 29-06-2022

In December 2020, the European Commission published a proposal for a digital services act (DSA) designed to revamp EU content moderation rules and promote a transparent and safer online environment. Parliament is set to vote during its July 2022 plenary session on the political agreement reached with the Council.