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The impact assessment (IA) underpinning the revision of the alternative dispute resolution (ADR) framework presents a robust intervention logic. It puts forward four policy options (including a non-regulatory option) with varying degrees of ambition; however, the description of the different policy options would have benefited from more depth and detail. The IA assesses the policy options in terms of their economic, social and environmental impacts and their effects on fundamental rights. While large ...

Verbraucherkredite

Auf einen Blick 06-09-2023

Die Verbraucherkreditrichtlinie, die Verbraucherkredite auf EU-Ebene regelt, ist seit 2008 in Kraft. Das Europäische Parlament stimmt voraussichtlich im September im Plenum über die Annahme einer Einigung der beiden gesetzgebenden Organe über den Vorschlag der Kommission für eine neue Richtlinie ab, die die derzeitige Verbraucherkreditrichtlinie ersetzen soll. Ziel ist es, Personen, die Verbraucherkredite beantragen, besser zu schützen und die Vorschriften in den Mitgliedstaaten stärker anzugleichen ...

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 ...

New consumer agenda

Briefing 03-02-2021

Consumer expenditure accounted for 52.6 % of European Union gross domestic product (GDP) in 2019. Meanwhile, in the same year, one in five consumers said they had had at least one reason to complain about a purchase the previous year – a number largely unchanged for a decade. Increasingly, consumers do their shopping online. One in six people bought at least one item online in 2019. Yet while online shopping is now ubiquitous, European rules have lagged behind. On 13 November 2020, the European Commission ...

This paper defines loot boxes and describes their behavioural effects, including problematic behaviour. It examines the regulatory framework at EU and national level within which loot boxes operate, provides an overview of public and industry practices, and derives recommendations. Framing the debate around loot boxes, away from gambling and towards consumer protection, would provide the EU with an array of tools to address problematic practices and minimise potential harm, especially for minors. ...

European consumers enjoy a high level of rights, but when the rules protecting them are broken, they need to be enforced. The main goals of enforcement are to prevent and punish infringements, and to enable consumers harmed by infringements to get wrongs put right (consumer redress). In the 2019 consumer conditions scoreboard poll, one in five consumers said that they had encountered problems when buying a product or service in the previous 12 months. However, whereas two thirds of them had complained ...

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 ...

The following in-depth analysis explores economic benefits of policy achievements related to European Consumer Protection. Theoretical background indicates that measures aimed at improving consumer protection should provide mostly positive wider economic impact. Analysed studies related to EU legislation provide numerous evidence that it is the case indeed, however frequently lack quantification of effects. Some areas open for additional intervention are suggested in the study. This document was ...

This study contains an analysis of the legal aspects of protecting European consumers, advanced during the 7th and 8th legislative period of the European Parliament (2009 - 2019). It examines policy developments in the area of consumer protection and (digital) single market, and identifies new substantive rights offered to EU consumers. This document was provided by Policy Department A at the request of the Committee on the Internal Market and Consumer Protection.