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Responsabilizzazione dei consumatori per la transizione verde
La Commissione europea ha proposto di innalzare il livello di protezione offerto ai consumatori contro le pratiche commerciali sleali. Il 19 settembre 2023 i colegislatori hanno raggiunto un accordo provvisorio sulla proposta di modifica delle due direttive fondamentali in questo settore. L'accordo è stato approvato dalla commissione per il mercato interno e la protezione dei consumatori (IMCO) e il Parlamento dovrebbe votare il testo concordato durante la tornata di gennaio 2024.
Unfair terms in Swiss franc loans: Overview of European Court of Justice case law
In the first decade of the 21st century, loans denominated in or indexed to foreign currencies, in particular the Swiss franc, became very popular in a number of EU Member States, including Greece, Croatia, Hungary, Austria, Poland, Romania, and Slovenia, and also in two non-EU countries, Montenegro and Serbia. For a certain period, in some Member States these loans became the most popular type of loan issued to consumers. By pegging loans to a stable foreign currency, banks could lend more money ...
Aggiornamento delle clausole abusive Direttiva per i servizi digitali
Il presente studio analizza le clausole comuni nei contratti dei fornitori di servizi digitali, indicando quando possano falsare in modo significativo l'equilibrio tra i diritti e gli obblighi delle parti a danno dei consumatori e debbano pertanto rientrare nell'ambito di applicazione della direttiva sulle clausole abusive nei contratti. Inoltre, lo studio esamina le particolarità della valutazione della trasparenza on-line delle clausole dei fornitori di servizi digitali e le sanzioni a cui questi ...
Unfair trading practices in the food supply chain
The food supply chain ensures that food and drink products are delivered to the public. It affects all consumers in the EU. The final price paid by the consumer is impacted by the number of participants in the food supply chain. While the single market has brought benefits to operators in the supply chain through more market opportunities and a larger customer base, it has also brought challenges. Structural changes have occurred, leading to different levels of bargaining power and imbalances between ...
Fairness and transparency for business users of online services
The European Parliament and the Council reached an agreement on the proposed regulation on promoting fairness and transparency for business users of online intermediation services in February 2019. Providers of online intermediation services (e.g. Amazon and eBay) and online search engines (e.g. Google search) will be required to implement a set of measures to ensure transparency and fairness in the contractual relations they have with online businesses (e.g. online retailers, hotels and restaurants ...
Promoting fairness and transparency in the online platform environment
How to promote fairness and transparency in the online platform environment? The Commission's answer to this question can be found in its recent legislative proposal. It stipulates that providers of online intermediation services (e.g. Amazon) and online search engines (e.g. Google search) have to implement certain measures to ensure transparency and fairness in the contractual relations they have with online businesses which use such platforms to provide their services to customers in the EU. This ...
Directive 2011/7/EU on late payments in commercial transactions
Directive 2011/7/EU on late payments in commercial transactions (Late Payment Directive, (LPD)) strengthened European regulations first introduced in 2000 in favour of creditors. In addition to statutory interest, the application of which is still not automatic, maximum periods were established for payments in business-to-business transactions and those with public authorities, limiting contractual freedom, which is often abused by stronger companies. Following the largely correct transposition into ...
Unfair trading practices in the food supply chain
The Commission proposal aims to strengthen the resilience of weaker operators in the food supply chain and improve its functioning. The supporting impact assessment appears to be substantially constrained by the limited evidence base. The data on the scale of the problem seems limited and precise quantifications of costs and benefits of the option packages was not feasible. The stakeholder consultation activities, on the other hand, have largely followed the requirements of the Better Regulation ...
I diritti dei passeggeri
Esistono regole comuni il cui scopo è di garantire un'assistenza minima ai passeggeri di tutti i modi di trasporto in caso di ritardi prolungati o cancellazioni e di tutelare, in particolare, i viaggiatori più vulnerabili. Tali regole istituiscono, inoltre, meccanismi di indennizzo. Tuttavia, sono previste numerose deroghe per i trasporti ferroviari o su strada e i contenziosi giudiziari sono ancora frequenti.
Application of the Unfair Commercial Practices Directive: Overview of the Commission's May 2016 guidance document
Consumers may find it difficult to identify potentially harmful or unfair practices when entering into a transactional relationship with traders. Similarly, businesses and enforcement authorities may sometimes have problems applying and interpreting EU legislation in relation to commercial practices. While it is the Court of Justice that has competence to interpret EU legislation, the European Commission published legally non-binding guidance on the implementation/application of the Directive on ...