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Jörg Philipp Terhechte - OPEC und europäisches Wettbewerbsrecht

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Jörg Philipp Terhechte

OPEC und europäisches Wettbewerbsrecht

2008

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Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007 (Auszug) S. 159-160

„… Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007 159Anhang 5: Renewable …” „… Fuels, Consumer Protection, and Energy Efficiency Act of 2007 (Auszug)Sec. 710. No Oil Producing and …”

The NOPEC Legislation of 2007 S. 120-121

„… the Senate on June21, 2007 as part of the »Renewable Fuels, Consumer Protection, and Energy Efficiency …”

Verzeichnis der Rechtsgrundlagen S. 19-22

„… Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007 …”

Previous Cases S. 118-120

„… Senate on June21, 2007 as part of the »Renewable Fuels, Consumer Protection, and Energy Efficiency Act …”

Titelei/Inhaltsverzeichnis S. 2-14

„… ) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 157Anhang 5: Renewable Fuels, Consumer Protection, and Energy Efficiency Act of 2007 (Auszug …”

doi.org/10.5771/9783845207278

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Udo Reifner

Using Money

Series: Schriften des Instituts für Finanzdienstleistungen e.V.

Volume 13 2007

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Has Consumer Protection in Financial Services failed in the EU? S. 133-134

„… Consumer Protection in Financial Services failed in the EU? 2003 ended with the first refusal by the EU in …” „… our history of research work. The financial services and consumer protection division, now re-named …” „… German consumer protection, which was linked with names like Scherhorn, Reich, Tonner and Micklitz, as …”

“Perfection of Life or of Work?” S. 90-91

„… . “Perfection of Life or of Work?” 1999 starts with a new philosophy on consumer protection in financial service …” „… understand as consumer protection and the social responsibility of banks. The Commission’s new programme for …” „… consumer protection in financial services emphasises education of the consumer, his or her need to …”

Against Social Discrimination S. 45-46

„… 45 In its study of Consumer Protection Regulations against Overindebtedness in 15 European …” „… Countries, iff compiled a picture of the continental European heritage of social consumer protection for the …” „… law leading the way. Mortgages and consumer credit are increasingly being afforded the same protection …”

Money as a Security S. 49-59

„… . Financial services play a central role in this Utopia. As well as consumer protection on the demand side …” „… , (protection of freedom of choice through provision of information to consumers) and protection of investors …” „… (protection of real income through social consumer protection), protection of the process of consumption …”

Armatya Sen and the American Economy S. 91-92

„… 91 Amsterdam treaty which expressly declares EU level consumer protection to be minimum standard …” „… forget about past projects to increase preventive social consumer protection for example, with minimum …” „… social consumer protection has been described at our Strasbourg conference promise only advantages or …”

Expertises and Projects S. 144-146

„… Consumer Redress: The Use of Consumer Protection Law in Out- of- Court Dispute Resolution; Group actions …” „… Bank Standard Contract Terms and EEC-Consumer Protection Law Methods of Calculation in the European …” „… Commission DG Health and Consumer Protection European Commission DG Social Policy European Commission DG …”

Berlemont: The 26<sup>th</sup> state of the EU? S. 46-47

„… dominate the Brussels stage. Lawyers have been replaced by economists, GD Consumer Protection and Social …” „… lenders. “Consumer protection” (singular) is replace by “consumer advantages” (plural). Consumers no …” „… financial services policy-making, GD Consumer Protection has withdrawn from this area, and closed down the …”

Financial exclusion in Modern Societies S. 82-90

„… not exactly what we understand as consumer protection and the social responsibility of banks. The …” „… Commission’s new programme for consumer protection in financial services emphasises education of the consumer …” „… credit card Directive, the banking unit answers questions on consumer protection in the parliament and …”

Jurisprudence and Morals S. 44-45

„… Bundesgerichtshof 1981 p.1206 45 In its study of Consumer Protection Regulations against Overindebtedness in 15 …” „… law leading the way. Mortgages and consumer credit are increasingly being afforded the same protection …” „… legislation or the law on undue influence contained in Art. L 123-8 of the French Consumer Law, or at Common …”

Public Interest Organisations S. 122-124

„… . This is the first time in the history of consumer protection that private financial services providers …” „… consumer protection standard being sacrificed for the single market. "Money advice" and debt counselling …” „… 122 Association not to mention all those consumer and other social organisations that have already …”

Iff Publications S. 121-122

„… consumer protection seems to be situated. Iff Publications The IFF book series at Nomos Publisher is now …” „… Coburg Insurer. This is the first time in the history of consumer protection that private financial …” „… all consumer areas. You will find all this information on our new Internet-page which gives a …”

“Export Finance for Engineers“ S. 141-142

„… consumer protection in relation to financial services in the areas of the law, business and NGOs …” „… , we have succeeded in establishing a financial services and consumer protection division within the …” „… the tradition, which secured HWP as a forerunner in the area of consumer protection with …”

Financial Literacy and Prevention of Over-Indebtedness S. 131-133

„… structure of products, thus supporting the process of mutual development. Has Consumer Protection in …” „… work. The financial services and consumer protection division, now re-named Law and Economic Interests …” „… Draft Consumer Credit Directive (Federation of German Consumer Associations). We also published three …”

International Challenge S. 115-117

„… to consumer credit. We are presently conducting a study on the danger inherent in the new form of …” „… about the high interest rates of the related credit and data protection problems. According to the …” „… and knowledge. Consumer orientation was one of the issues of our seminars with savings banks, coop …”

Current International Projects 2007 S. 146

„… Services, Consumers and Small Business Early Repayment Fees in Europe – Comparative Study 2006 Responsible …” „… International Projects 2007 CCN (Consumer Citizen Network - Sokrates/ Erasmus) E-CONS (Consumer Education …” „… Commission - Cross Border Selling Directive / Study European Consumer Debt Net EuSoCo European Contract Law …”

Principals (International Organisations) S. 146

„… Services, Consumers and Small Business Early Repayment Fees in Europe – Comparative Study 2006 Responsible …” „… International Projects 2007 CCN (Consumer Citizen Network - Sokrates/ Erasmus) E-CONS (Consumer Education …” „… Commission - Cross Border Selling Directive / Study European Consumer Debt Net EuSoCo European Contract Law …”

International Coalition Building S. 140-141

„… main subjects are the international coordination of social responsibility and consumer protection in …” „… Italian consumer association thought that we were too friendly towards the banks. We seek to translate …” „… , consumer organisations, social initiatives, policy makers and alternative financial institutions at 10 …”

“Creditworthy Lenders” S. 35-38

„… 12 2006 Memorandum, “Consumer Protection and Consumer Choice” 37 harmonisation, or total …” „… . In making payments, the ordinary consumer also relies on his income being conveyed in accordance with …” „… consumers, demonstrating that they are trustworthy despite the most lamentable circumstances. Credit fraud …”

Cooperation with the University of Hamburg S. 142-143

„… are delighted that the tradition, which secured HWP as a forerunner in the area of consumer protection …” „… 142 and money, needs and products; support for advisers in consumer advice centres and money …” „… Economic and Social Sciences, we have succeeded in establishing a financial services and consumer …”

“Consumers and the Law“ S. 136-137

„… financial aspects of consumer protection, the objectives of regulation, information principles, advice and …” „… . Among them were applications for an Internet portal on financial services and consumer law, which …” „… Consumer Affairs) in mid 2004 and hope to publish it in the course of 2005. At the same time, we developed …”

Discrimination of Asocial Conduct creates Social Behaviour S. 70-71

„… , consumer protection and sanctions against unacceptable market mechanisms have their part to play, as does …” „… start-ups, rent funds, and reverse mortgages to release equity tied up in real estate to consumers, shared …” „… latent power of consumers and legislators, of state intervention in the 71 form of subsidies and of the …”

Fewer EU Tenders – Many Project Applications S. 135-136

„… financial aspects of consumer protection, the objectives of regulation, information principles, advice and …” „… financial service providers wanting us to test their products, who are curious about consumer …” „… enable critical co-existence of consumers and banks in constructing the future or who seek new ideas and …”

Our Services S. 137-138

„… difficult year for all of us at iff. Invitations to make public tenders in the area of consumer protection …” „… ), were also very positive. Our Services Our calculation service for consumers and lawyers was extended …” „… (District Court – ‘LG’) concerning pre-payment indemnity. Our finanzcheck has provided consumer centres with …”

The Market as Focus S. 71-72

„… develop a ghetto economy. In this context, consumer protection and sanctions against unacceptable market …” „… of small business finance, consumer protection and general financial literacy, which we hope will …” „… unwaged parents are excluded and thus derive no benefit. Social and collective consumer protection is not …”

English Publications (only books) S. 144

„… Consumer Redress: The Use of Consumer Protection Law in Out- of- Court Dispute Resolution; Group actions …” „… and the defence of the consumer interest in the European Community 1990 Logiciel de conseils en …” „… (amended by 90/88) on Consumer Credit in the member states : Consumer Credit in Germany …”

“Internal Ethics” – “External Ethics” S. 23-27

„… people. It also fits in with the aim to reduce national consumer and debtor protection in the credit …” „… consumer protection and hence internal ethics harms the poor. The alternative sector and aggressive lending …” „… sciences the insight into the true living conditions is not yet what European policies are about. Consumer …”

More Openness in the Banking Sector S. 141

„… consumer protection in relation to financial services in the areas of the law, business and NGOs …” „… opinion. We are also working on breathing new life into the social science of consumer research. More …” „… carry out its specialist work as an intermediary between consumers and financial interests in creative …”

Introduction S. 11-15

„… action research project on ‘New forms of consumer legal aid’ following on from the desire to continue its …” „… School of Economics and Politics in Hamburg and the Consumer Central of Hamburg tried to implement the …” „… findings of a previous empirical survey on legal problems, using the solutions from research into consumer …”

Outlook for the year 2007 S. 142

„… are delighted that the tradition, which secured HWP as a forerunner in the area of consumer protection …” „… 142 and money, needs and products; support for advisers in consumer advice centres and money …” „… Economic and Social Sciences, we have succeeded in establishing a financial services and consumer …”

Titelei/Inhaltsverzeichnis S. 2-10

„… the general development of consumer protection in financial services in Germany in the more classic …” „… Services” 119 1999 – Customer Focus and Consumer Orientation: New Areas of iff Activity 120 Social …” „… Successfully completed Projects 130 Financial Literacy and Prevention of Over-Indebtedness 131 Has Consumer …”

Expansion of the FIS-Database S. 118-119

„… equally proposed to DG XXIII. Regarding the multitude of failed data bases in consumer protection and …” „… sets covering legal and factual information on all issues that especially relate to consumer and client …” „… of data relating to the Euro (legal, economic, consumer advice, newspaper articles etc.) is concerned …”

“Community Responsibility in Financial Services” S. 113-115

„… fighting financial service providers together with consumer associations (1987-1994); to an independent …” „… the forth EU-conference on financial services and consumers. Its title is „The European Monetary Union …” „… year different kind of organisations from development organisations to consumer and welfare …”

Social Investment and Small Business Financing S. 120-121

„… consumer protection seems to be situated. Iff Publications The IFF book series at Nomos Publisher is now …” „… 120 1999 – Customer Focus and Consumer Orientation: New Areas of iff Activity Especially with its …” „… providers. This includes not only consumer organisations but also banks, insurance companies and other …”

Usury: Thresholds and Prohibition S. 47-49

„… consumers. The 26th state would then have made a lethal copy of the structure of transnational corporations …” „… , with their deployment of managers, for whom the cultural diversity of consumer desires and national …” „… overthrew Nazi- Germany and its ruling cartels, forced the “protection from abuse of economic power”. Usury …”

iff as a Small Business with Big Radiation – Some Figures S. 134-135

„… Hamburg University. The birthplace of German consumer protection, which was linked with names like …” „… for the Verbraucherministerium (German Ministry of Consumer Affairs). In the Product and Services …” „… Scherhorn, Reich, Tonner and Micklitz, as well as the magazine Consumer and the Law, which we are publishing …”

Göteborg conference: “Access to Financial Services” S. 119-120

„… failed data bases in consumer protection and social investment all parties should think twice before they …” „… it will seek to bring together researchers, consumer organisations, debt advice organisations, trade …” „… precisely about exactly this issue. 120 1999 – Customer Focus and Consumer Orientation: New Areas of iff …”

A Year of Auditors and Authorities S. 138-139

„… all of us at iff. Invitations to make public tenders in the area of consumer protection and socially …” „… SANCO indicated that consumer-based institutions could not be given any further commissions because they …” „… consumers and the economy, or production of an acrossthe-board e-learning system on consumer law and …”

Successfully completed Projects S. 130-131

„… organisational anchorage of the subject areas we target, such as retail banking/ consumer protection, building …” „… ), Alternative Draft Consumer Credit Directive (Federation of German Consumer Associations). We also published …” „… concept of education as the development of a learning process between finance and consumers more …”

European Cooperation S. 71

„… develop a ghetto economy. In this context, consumer protection and sanctions against unacceptable market …” „… of small business finance, consumer protection and general financial literacy, which we hope will …”

1995 – Rationalisation and Supply S. 111-112

„… consumer protection we invested much of our time and effort in 1995 into what our English and American …” „… in general even led to the conclusion that the reference in our name to „consumer protection“ would …”

Time-Management at iff S. 129-130

„… organisational anchorage of the subject areas we target, such as retail banking/ consumer protection, building …” „… educational purposes, immigrants and the potential for education in consumers’ and social organisations across …” „… und Recht (Consumers and the Law), we have developed a new structure and additional contents in …”

Facilitating Self-determined and Effective Consumption S. 59-61

„… 59 sumer organisations and data protection agencies, succeeded in making the Bundesbahn back down …” „… . But Citibank is not just anyone. It distinguishes between customers and consumer organisations, and …” „… bodies understand that protection against usury, cheating, discrimination and deception is an expression …”

Market and Justice S. 40-41

„… be independent of business. Consumer protection and social concern are thus important and valuable …” „… . There is consumer protection, which achieves its objectives inefficiently. This is where the economic …”

Using Money rather than Having it S. 28-32

„… sub-heading was “speaking together, learning from each other”. Our aim was that consumer advisers, money …” „… consumers, for whom loans makes it possible to earn an 29 income. This ideology goes back to the patriarchal …” „… not, however, take the form of disregard for privacy, data protection, readiness to take risk, and …”

Ghetto Economy in the US S. 75-78

„… . Access or quality has become the main excuse formula for not implementing social consumer protection into …” „… solidarian private economy by itself. But disclosure does not replace protection. For all those who have …” „… followed the consumer movement from the sixties of last century to today this insight is trivial. Only …”

A unified Market S. 98-99

„… and smart cards will give access to banks for consumer wherever they are in the world and whenever …” „… banks. The new 99 symbol for the unified Annual Percentage Rate in consumer credit will be the starting …” „… currencies have until now been also a protection for the weaker countries which in a single currency market …”

Money is a Scarce Good. S. 99-100

„… 99 symbol for the unified Annual Percentage Rate in consumer credit will be the starting point of a …” „… have until now been also a protection for the weaker countries which in a single currency market had to …” „… directive 89/646/EEC from December 15, 1989 prohibits all kind of nationalist protection for the own …”

iff as Organisational Concept S. 130

„… organisational anchorage of the subject areas we target, such as retail banking/ consumer protection, building …”

Competition and Responsibility S. 39-40

„… justice is the objective, the law must be independent of business. Consumer protection and social concern …”

Re-feudalisation of the Economy S. 41-42

„… important as a control mechanism. There is consumer protection, which achieves its objectives inefficiently …”

Money is an Irrigation System S. 101-102

„… rice fields farmers need to pump water into higher areas while lower ones need the protection from …” „… the biggest European insurance company Alliance who gets credit on a zero level while consumer credit …”

No Capital – no Demand S. 72-75

„… and thus derive no benefit. Social and collective consumer protection is not taken into account. This …”

doi.org/10.5771/9783845204529

Robert Grzeszczak - Economic Freedom and Market Regulation

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Robert Grzeszczak (ed.)

Economic Freedom and Market Regulation

Series: German and European Studies of the Willy Brandt Center at the Wroclaw University

Volume 10 2020

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Tomasz Klemt Chapter 10: Financial market – in search of optimal consumer (customer) protection S. 231-248

„… ‐ petences and the subject of consumer protection, with one of them stating that "client protectionism is a …” „… Financial market – in search of optimal consumer (customer) protection Tomasz Klemt Key words: EU …” „… concerning the paradigm shift in consumer (customer) protection in the fi‐ nancial market that forms a part …”

Artur Szmigielski Chapter 11: The open-textured nature of anticompetitive practices – in the quest for reconciling legal certainty with effectiveness of EU competition law in the digital markets S. 249-284

„… enforcement for any type of law such as consumer law or data protection. However, the CJEU has made clear that …” „… relationship between compe‐ tition law, consumer law and data protection law. Competition law is not intended …” „… . (2019a), ‘The Interaction of EU Competition, Consumer, and Data Protection Law in the Digital Economy …”

Michał Dorociak Chapter 4: Regulatory authorities’ interference in contractual relationships S. 101-132

„… – UKE), the competition au‐ thority (President of the Office for Competition and Consumer Protection …” „… of Competition and Consumers Protection of 23.11.2007, XVII AmE 80/07; Court of Competition and …” „… Consumers Protection of 9.7.2013, XVII AmE 46/12; Judgment of the Court of Appeal in Warsaw of 25.5.2012, VI …”

Robert Grzeszczak Introduction S. 7-24

„… increasing protection for financial services consumers. Due to the recent reform in European Union law, major …” „… decision An overview of the Financial market - in search of optimal consumer (customer) protection is …” „… chapter is to present changes in the approach to consumer protection in the financial market, understood …”

Maciej M. Sokołowski Chapter 7: Balancing energy regulation: a day-watchman approach S. 167-186

„… regulation of health and safety, environmental protection, and consumer protection) or economy (econo‐ mic …” „… which included access to the grid, consumer protection, unbundling of the transmission and distribution …” „… step in … efforts to guarantee lower rates, pro‐ vide consumer choice and offer reliable service”, with …”

Tomasz Klemt Chapter 3: Methods and tools of regulating markets from a praxeological perspective S. 69-100

„… of the Office for Competition and Consumer Protection (the issuance of non-binding guidelines) may …” „… the Office for Competition and Consumer Protection that, in the opinion of the respondents, interferes …” „… Consumer Protection may limit the freedom of establish‐ ment to an extent higher than searches as they …”

Artur Szmigielski Chapter 6: Limits of investigative and sanctioning powers of competition authorities S. 149-166

„… Act of 16 February 2007 on competition and consumer protection, within the framework set out by …” „… lege, respect for the principle ne bis in idem, and the protection of legal professional privilege …” „… EU competition law and the protection of the funda‐ mental rights of undertakings leading to the …”

Artur Szmigielski Chapter 2: Between economic freedom and effective regulatory enforcement S. 41-68

„… , including consumer protection, free com‐ petition and economic growth. This term can be used to capture …” „… modern states depends not only on ensuring the protection of individual rights, but also on the ability …” „… protection whereby the non-interference, which is the opposite of coercion, is secured. Therefore, negative …”

Dawid Sześciło Chapter 1: The concept of independence of regulatory authorities under EU law S. 25-40

„… regula‐ tors (competition and consumer protection authorities, financial markets’ regulators), industry …” „… competition and consumers (Chris‐ tensen & Laegreid, 2007). While regulation is as old as the state, the …” „… actors and regulating markets to protect competition and consumers. Chapter 1: The concept of …”

Titelei/Inhaltsverzeichnis S. 1-6

„… search of optimal consumer (customer) protection Chapter 10: 231 Tomasz Klemt The open-textured nature of …”

Michalina Szpyrka Chapter 5: The importance of fines in the market regulation process citing the example of the Polish telecommunications market S. 133-148

„… appeal is addressed to the Court of Competi‐ tion and Consumer Protection, i.e. an ordinary court and not …” „… appealed to the Court of Competition and Consumer Protection, which is an ordinary court that examines the …” „… of personal data and the protection of privacy in the Chapter 5: The importance of fines in the …”

doi.org/10.5771/9783748908463

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Bundesministerium der Justiz und für Verbraucherschutz (ed.), Max-Planck-Institut für Innovation und Wettbewerb (ed.)

Data Access, Consumer Interests and Public Welfare

2021

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Christine Lambrecht Special Address of the Federal Minister of Justice and Consumer Protection S. 7-10

„… Special Address of the Federal Minister of Justice and Consumer Protection Christine Lambrecht The …” „… intelligence. Privacy protection is of paramount importance to consumers. Personal data can reveal our …” „… Protection Regulation, which contains extensive safeguards. We must ensure that, for consumers, the right to …”

Axel Metzger Access to and porting of data under contract law: Consumer protection rules and market-based principles S. 287-318

„… Access to and porting of data under contract law: Consumer protection rules and market-based …” „… of contract, consumer protection and other policies (e.g. protection of employees, commercial agents …” „… consumer protection, on possible data access rights. It should be obvious that contract law is of main …”

Louisa Specht-Riemenschneider Data access rights – A comparative perspective S. 401-438

„… Portability and Accountability Act (HIPAA) and the Consumer Protection Principles (CPP) and for minors in the …” „… CCPA, which will be discussed in detail later on. CPP The Consumer Protection Principles are intended …” „… products and services are fair, transparent and competitive. Consumers are to be afforded protection …”

Josef Drexl Data access as a means to promote consumer interests and public welfare – An introduction S. 11-24

„… that data protection is needed to build consumer trust in the sense that their privacy interests will …” „… literature on the relationship between data protection law and consumer law on the EU level in particular …” „… match? A closer look at the relationship between EU consumer law and data protection law’ (2017) 54 …”

Titelei/Inhaltsverzeichnis S. 1-6

„… Edited by German Federal Ministry of Justice and Consumer Protection Max Planck Institute for …” „… Ministry of Justice and Consumer Protection Max Planck Institute for Innovation and Competition …” „… Federal Ministry of Justice and Consumer Protection | Max Planck Institute for Innovation and Competition …”

Wolfgang Kerber From (horizontal and sectoral) data access solutions towards data governance systems S. 439-476

„… law: Consumer protection rules and market-based principles’, in this volume, who is sceptical about …” „… part of consumer protection) the regulation also includes additional requirements: (a) strong …” „… competition law, consumer law, data protection (privacy) law, standardisation policy, or direct regulatory …”

Josef Drexl Connected devices – An unfair competition law approach to data access rights of users S. 477-528

„… points. Yet consumers who are particularly sensitive to data protection may hesitate to buy connected …” „… law: Consumer protection rules and market-based principles’, in this volume, Part B. 65 See Metzger (n …” „… and of the Council as regards better enforcement and modernisation of EU consumer protection rules …”

Jörg Hoffmann Safeguarding innovation in the framework of sector-specific data access regimes: The case of digital payment services S. 343-400

„… solved within other legal regimes, i.e. data protection law, consumer protection law or (general …” „… purpose if the consumer understands what data protection really means. According to most recent empirical …” „… findings in relation to the economics of data, most consumers are aware of data protection but they simply …”

Bertin Martens Data access, consumer interests and social welfare – An economic perspective on data S. 69-102

„… protection. That in itself may have signal value that can be exploited against consumer interests.46 An …” „… Data access, consumer interests and social welfare – An economic perspective on data Bertin Martens …” „… consumers and society at large. ‘Data access’ may cover a variety of modalities of data exchange between two …”

Heike Schweitzer, Robert Welker A legal framework for access to data – A competition policy perspective S. 103-154

„… . An Analytical Framework for EU Competition, Data Protection and Consumer Law’ (2019) TILEC Discussion …” „… : Competition Law, Consumer Law and Data Protection’ (2016) Gewerblicher Rechtsschutz und Urheberrecht …” „… , including, where applicable, consumer protection law, to competition law and, as a measure of last resort …”

Michael Grünberger Data access rules: The role of contractual unfairness control of (consumer) contracts S. 253-286

„… Metzger‚ ‘Access to and porting of data under contract law: Consumer protection rules and market-based …” „… contract has a choice-of-law clause, the German consumer will still enjoy the protection by the mandatory …” „… control of (consumer) contracts Michael Grünberger* (Responsive) Contract law shall be Queen Legal …”

Christian Reimsbach-Kounatze Enhancing access to and sharing of data: Striking the balance between openness and control over data S. 25-68

„… collaboration between competition, privacy and consumer protection authorities as discussed, for instance, in …” „… ’. The same applies for issues related to privacy and data protection as well as competition regulation …” „… others. It thus reflects the marginal cost of allowing an additional consumer of the good. A rivalrous …”

Heiko Richter The law and policy of government access to private sector data (‘B2G data sharing’) S. 529-572

„… , Consumer Protection and Intellectual Property Law (Springer 2018) 527. 19 An illustrative example is the …” „… general, consumer protection, research and market monitoring.45 Yet there is no particular order or …” „… concept ‘consumer’ vs. ‘citizen’ Sofia Ranchordás, ‘Citizens as Consumers in the Data Economy: The Case of …”

Indra Spiecker genannt Döhmann The legal framework for access to data from a data protection viewpoint – especially under the GDPR S. 175-208

„… protection. Article 20 GDPR is a clear sign that data protection is increasingly including a consumer law …” „… other regulatory aspirations, as well, predominant among them consumer protection law and competition …” „… The legal framework for access to data from a data protection viewpoint – especially under the GDPR …”

Contributors S. 573-574

„… , Germany. Christine Lambrecht Federal Minister of Justice and Consumer Protection, Member of the german …” „… Constitutional Law, Information Law, Environmental Law and Legal Theory; Director Data Protection Research …”

Matthias Leistner The existing European IP rights system and the data economy – An overview with particular focus on data access and portability S. 209-252

„… : Competition Law, Consumer Law and Data Protection’ (2016) Gewerblicher Rechtsschutz und Urheberrecht …” „… – Study on Behalf of the European Consumer Organisation BEUC’ (BEUC 2018) protection of certain data-related creations, investments, products or …”

Thomas Fetzer The constitutional framework for data access rights S. 155-174

„… purely economic reasons does not fall outside the scope of protection of the freedom of information …” „… by the legislature.12 Accordingly, the substantive scope of protection of the freedom of information …” „… protection of Article 5(1), first sentence, alt. 2 of the Basic Law and therefore no longer be revoked …”

Ruth Janal Data portability under the GDPR: A blueprint for access rights? S. 319-342

„… data.2 Under the EU’s General Data Protection Regulation (GDPR), the data subject is granted …” „… ; Andreas Wiebe, ‘Protection of industrial data – a new property right for the digital economy?’ (2016 …” „… Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal …”

doi.org/10.5771/9783748924999

Matthias Lehmann, Christoph Kumpan - European Financial Services Law

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Matthias Lehmann (ed.), Christoph Kumpan (ed.)

European Financial Services Law

Series: Kooperationswerke Beck - Hart – Nomos

Volume 2019

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Article 107 Reasoning of negative decisions; standing to sue of consumer protection agencies S. 1459-1460

„… . Article 107 Reasoning of negative decisions; standing to sue of consumer protection agencies 1. The …” „… strengthens the consumer protection. II. Commentary As part of the rule of law rationale, any denial of …” „… , including information asymmetry and lack of expertise, Art 107(3) of UCITSD ensures that consumer protection …”

Introduction to Articles 39-43 Intro Art. 39-43 S. 538-541

„… Principles on Financial Consumer Protection of 2011 do not yet mention this specific power, but merely trust …” „… /OECD Task Force on Financial Consumer Protection 2013 envisage product intervention powers.4 Yet this …” „… ). 4 G20/OECD Task Force on Financial Consumer Protection, Action Plan: Effective Approaches to Support …”

Article 12 Out-of-court complaint and redress procedures S. 1774-1776

„… Payment Disputes under the Commission for Consumer Protection – Croatia: Croatian National Bank …” „… Supervision and Development of Cooperative Societies; Consumer Rights Protection Centre – Czech Republic …” „… Protection Board; Financial Supervision Authority – Finland: Consumer Dispute Board – France: Comité de la …”

Article 75 Extra-judicial mechanism for consumers complaints S. 376-377

„… at least one of the following three entities: public bodies (point (a)), consumer organisations …” „… consumers complaints 1. Member States shall ensure the setting-up of efficient and effective complaints and …” „… redress procedures for the out-of-court settlement of consumer disputes concerning the provision of …”

Article 106 Reporting of auditors to competent authorities S. 1458-1459

„… . Article 107 Reasoning of negative decisions; standing to sue of consumer protection agencies 1. The …” „… strengthens the consumer protection. II. Commentary As part of the rule of law rationale, any denial of …” „… interests of consumers and in accordance with national law, take action before the courts or competent …”

Article 73 Reporting of infringements S. 373-375

„… communication channels for such reports; (b) appropriate protection for employees of financial institutions who …” „… , discrimination or other types of unfair treatment; (c) protection of the identity of both the person who reports …” „… which is similar to Article 73 of MiFID II. Such whistleblower protections are intended to encourage …”

Foreword to Articles 24 to 30 Foreword to Arts 24 to 30 S. 155-157

„… MiFID II’s harmonised regime for investor protection. The aim of the articles is to ensure an …” „… appropriate level of protection for investors, and to enhance the investor protection provided by MiFID I …” „… . Enhancing investor protection also supports MiFID II’s ‘passporting’ regime, which is based on the principle …”

Article 10 Competent authorities S. 1771-1773

„… Consumer Protection Board – Finland: Financial Supervisory Authority; Finnish Consumer Agency; Ombudsman …” „… : National Bank of Hungary – Ireland: Central Bank of Ireland; Competition and Consumer Protection Commission …” „… Market Commission; Consumer Rights Protection Centre – Lithuania: Bank of Lithuania – Luxembourg …”

Article 21 Regular review of conditions for initial authorisation S. 149-151

„… Banking Law and Banking 366; Campbell J et al., ‘Consumer Financial Protection’ (2011) 25 Journal of …” „… investor protection regulations in accordance with Art 20(8) MiFID II, including the best execution …” „… Consulting, The EU market for consumer long-term retail savings vehicles, Final Report, 15 November 2007 …”

Article 74 Right of appeal S. 375-376

„… specialised body for consumer complaints may foster consumer protection insofar as it will most likely allow …” „… consumers and in accordance with national law, take action before the courts or competent administrative …” „… implementation of this Directive are applied: (a) public bodies or their representatives; (b) consumer …”

Article 1 Subject matter S. 1231-1234

„… a high level of consumer and investor protection. It lays down conditions for the issuing of credit …” „… through 12 and 35 a CRA Regulation include investor and consumer protection standards. It is noteworthy …” „… rating agencies’ independence, the avoidance of conflicts of interest, and the enhancement of consumer …”

Article 2 Scope S. 1234-1236

„… protections. In terms of content, the CRA Regulation was based on the IOSCO Code of Conduct and some duties it …” „… scores, credit scoring systems or similar assessments related to obligations arising from consumer …” „… standard created by the OECD regulations, and the protection provided by the OECD standards was considered …”

Article 1 Subject matter and scope S. 1711-1720

„… exclude from the scope of this Directive credit claims where the debtor is a consumer as defined in …” „… credit agreements for consumers or a micro or small enterprise as defined in Article 1 and Article 2(2 …” „… Intermediated Securities (Springer 2012), 140. 8 Devos, ‘Legal Protection of Payment and Securities Settlement …”

Article 76 Professional secrecy S. 377-378

„… protection in cases that involve (alleged) violations of MiFIR or of laws transposing MiFID II into national …” „… “effective complaints and redress procedures for the out-of-court settlement of consumer disputes”. While …” „… extra-judicial mechanisms is confined to consumer cases. A Member State may decide whether to set up a public …”

Article 23 Conflicts of interest S. 151-155

„… . Even though Art 23 of MiFID II does not form part of MiFID II’s section on investor protection …” „… , mitigating conflicts of interest is central to investor protection.3 Level 2 and 3 measures Relevant level 2 …” „… harmonised regime for investor protection. The aim of the articles is to ensure an appropriate level of …”

Article 5 Requirements for credit transfer and direct debit transactions S. 1759-1765

„… PSU that is not a consumer or a microenterprise, initiates or receives individual credit transfers or …” „… only initiated by one or more specified payees; Where neither the payer nor the payee is a consumer …” „… Art 5(2) must be consistent with the data protection rules in national law, which transposes the …”

Article 33 S. 1096-1097

„… sound standards for consumer protection including comparisons between financial products. The review …” „… consumer testing and an examination of non-legislative options as well as the outcomes of the review of …”

Article 108 Delineation of supervisory powers S. 1460-1462

„… lack of expertise, Art 107(3) of UCITSD ensures that consumer protection agencies can act against …” „… taken, even if negative. Since consumers face disincentives to sue, including information asymmetry and …”

Article 25 Assessment of suitability and appropriateness and reporting to clients S. 180-193

„… protection; and (iv) market transparency and integrity are ensured by the prevention of market abuse in the …” „… protection of the relevant conduct of business rules. Such a warning may be provided in a standardised format …” „… property, which is subject to the provisions concerning creditworthiness assessment of consumers laid down …”

Titelei/Inhaltsverzeichnis

„… . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Article 74 375 Extra-judicial mechanism for consumers complaints …” „… . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Article 77 378 Data protection …” „… . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Article 27 849 Data protection …”

Article 3 Formal requirements S. 1722-1724

„… Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts and national provisions concerning …” „… States do not require additional formal acts, general rules of debtor protection apply. The report …” „… : upgrading Europe’s rules on default and collateral protection’ (2009) 3 Law and Financial Markets Review 218 …”

Introduction S. 941-951

„… associated costs while maintaining effective levels of protection for consumers and investors. Indeed, the …” „… Rechtswissenschaften 2015); Easterbrook F and Fischel D, ‘Mandatory Disclosure and the Protection of Investors’ (1984 …” „… rules on the conduct of business, the protection of investors. Moreover, such information provides an …”

Article 24 General principles and information to clients S. 157-180

„… practice, private law duties will usually be consistent with investor protection rules under MiFID II. In …” „… subject to other provisions of Union law relating to credit institutions and consumer credits with respect …” „… specific risks to investor protection or to market integrity which are of particular importance in the …”

Article 39 Market monitoring S. 541-542

„… removing the incentive for consumers to learn and play an active role in policing financial institutions.15 …” „… addresses a significant investor protection concern or a threat to the orderly functioning and integrity of …”

Article 64 Conversion disclosures and procedures S. 1405-1407

„… statutory amendments of companies or rules on amending contracts with consumers). Art. 64 UCITSD 4. Funds …” „… the feeder UCITS and all intermediaries that act on its behalf. Investor protection warrants an …”

Article 34 S. 1097-1099

„… be maintained, in view of sound standards for consumer protection including comparisons between …”

Article 19 Uses of languages S. 1016-1018

„… Möslein, ‘The Language of the Prospectus: Europeanisation of Prospectus Law and Consumer Protection’ (2007 …”

Article 13 S. 1073-1081

„… rule ensures adequate documentation and promotes consumer protection while bearing in mind the …” „… Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial …”

Article 6 Report on payments to governments S. 1131-1135

„… + DOC+PDF+V0//EN. 6 Dodd-Frank Wall Street Reform and Consumer Protection Act, Pub. L. No. 111-203, H.R. 4173 …”

Article 28 Obligation to trade on regulated markets, MTFs or OTFs S. 503-511

„… Street Reform and Consumer Protection Act, Pub. L. No 111-203, 124 Stat. 1376 (2010). 4 See Dilworth and …” „… protection; (d) it ensures market transparency and integrity via rules addressing market abuse in the form of …”

Introduction and overview S. 874-881

„… responsibility and consumer protection”. 22 For further detail on the legislative procedure, see …”

Introduction S. 1563-1574

„… Reform and Consumer Protection Act.13 The European Parliament, in its 15 July 2010 Resolution on …” „… level of investor protection and to create a level playing field between market participants.16 To …”

Index S. 1785-1803

„… protection MAR 29 3 Data publication arrangements – access MiFIR 3 15 Data Reporting Service Providers …” „… 11, 5 13 Eligible counterparties MiFID II 30 1 et seq. – investor protection MiFID II 30 3 EMIR …” „… – financial instruments FCD 1 11 – form FCD 1 26, 3 1 et seq. – good faith protection FCD 8 9 et seq …”

Article 16 Organisational requirements S. 65-120

„… , where investment firms safeguard client assets and client funds, specific risks to investor protection …” „… . Client protection (Art 16(8)-(11) MiFID …” „… non-monetary benefits. Other regulatory texts Questions and Answers on MiFID II and MiFIR investor protection …”

Article 57 Position limits and position management controls in commodity derivatives S. 317-334

„… Sec. 737 Dodd-Frank Act (Wall Street Reform and Consumer Protection Act 2010), amending sec. 4 a …”

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