Protecting Financial Consumers in Europe

Comparative Perspectives and Policy Choices
Erscheinungsjahr 2023
ISBN: 978-90-04-53438-4
Verlag: Brill

Buch, Englisch, Band 3, 458 Seiten, Format (B × H): 155 mm x 235 mm, Gewicht: 917 g

Reihe: Comparative Law in Global Perspective

This book provides a thorough and up-to-date account of what is state-of-the-art in the field of contracts relating to selected financial services such as insurance, loans and payments services. It also explores the resolution of disputes arising out of such contracts by ADR bodies in Europe, at national and EU level. In parallel with offering a comparative survey of the most recent legal developments in Europe, the book sheds light on the significance of financial ombudsman bodies for the efficient resolving of consumer disputes. Further, the book illustrates solutions and policies aimed at ensuring a high level of consumer financial education.

Autoren/Hrsg.

Weitere Mitwirkende

Tereszkiewicz, Piotr

Golecki, Mariusz

Fachgebiete

• Rechtswissenschaften Internationales Recht und Europarecht Europarecht Europäisches Handels-, Wirtschafts- und Gesellschaftsrecht, Währungsrecht
• Rechtswissenschaften Recht, Rechtswissenschaft Allgemein Rechtsvergleichung
• Rechtswissenschaften Bürgerliches Recht Schuldrecht Verbraucherschutz, Verbraucherverträge, AGB

Inhaltsverzeichnis

Contents

Foreword

Preface

Notes on Contributors

Introduction: Financial Consumers, Complex Contractual Products, and Dispute Resolution – Setting the Scene

Piotr Tereszkiewicz

Part 1: Consumer Protection across Different Financial Products

1 Consumer Protection in Polish Insurance Law

Piotr Tereszkiewicz and Katarzyna Poludniak-Gierz

2 Consumer Protection in Portuguese Insurance Law

Rui Mascarenhas Ataíde and Francisco Rodrigues Rocha

3 Consumer Protection regarding Banking Deposit Products in Greek Law

Georgios Mentis

4 Judicial Review of Standard Business Terms in Payment Services Contracts in German Law

Sebastian Omlor and Hans Wilke

Part 2: Foreign Currency Loans in Europe

5 Foreign Currency Loans in Hungary

András Pomeisl

6 Foreign Currency Loans in Croatia

Emilia Mišcenic

7 Foreign Currency Loans in France

Mariola Lemonnier

8 Foreign Currency Loans in Slovenia

Jorg Sladic

9 Foreign Currency Loans in Italy

Marta Infantino

10 Complex Mortgage Loans in Spain

Teresa Rodríguez de las Heras Ballell

11 Foreign Currency Loans and Directive 93/13: The CJUE as a Legal Architect

Piotr Tereszkiewicz

Part 3: Financial Ombudsman Bodies and Consumer Protection

12 Mind the Consumer Protection Gap: The UK Financial Ombudsman Service, Fairness and Reasonableness, and the Law

Ugochi Amajuoyi and Andrea Fejos

13 Comparative Perspective on the Banking and Financial Ombudsman: Current Limitations and Possible Solutions

Francesca Bichiri and Cristina Poncibò

14 The Financial Arbitrator in the Czech Republic

Josef Kotásek

15 Collective Redress for Consumers of Financial Services

Noah Vardi

16 Judicial Governance and the Financial Markets from the Law and Economics Perspective

Mariusz J. Golecki

17 The Role and Nature of Financial Ombudsman Institutions in Business-related Human Rights

Jernej Letnar Cernic

Part 4: The Way Forward: Building Consumer Protection through Financial Education

18 Financial Education: A Human Rights Perspective on Financial Literacy

Karolina Mendecka

19 A Comparative Analysis of National Financial Education Strategies among the Visegrad Group

Grazyna Borys

20 Household Approaches to New Technologies in Financial Education in Poland

Malgorzata Iwanicz-Drozdowska, Ewa Cichowicz and Lukasz Kurowski

Index

Über Autor(innen)

Piotr Tereszkiewicz, M.Jur. Oxford (2005); Ph.D. & LL.D. Jagiellonian University in Cracow (2005, 2015), is a Professor of Private Law at Jagiellonian University. His research, published in English, German and Polish, focuses on European and comparative contract and consumer law as well as the law of financial services.

Mariusz Jerzy Golecki, LL.M Cambridge (2001), Ph.D. & LL.D. Lodz (2004, 2013), is a Judge in the Supreme Administrative Court in Poland, a Professor at the University of Lodz. He was the Financial Ombudsman in Poland (2019-2021). He is the author of 5 monographs and 90 or so academic articles.