Index
access to justice
276, 283, 288, 304, 328–330, 344–356, 368–371, 375, 383
access to remedy
367, 369, 371–373
action to oppose enforcement
186
alternative dispute resolution (ADR)
10–11, 255, 275, 283–296, 301–304, 327, 332, 340, 357–360
Andriciuc case
133, 145, 173, 231–232, 234–235
authorised push payment fraud
254, 267–268, 360–366
bank deposit
67–71, 75, 91–92, 451
banking law
71–73, 82–99, 133, 168, 194, 196–198, 226, 254, 298
bargaining power
84, 175, 187, 261–262
business and human rights
145, 367–384
cashless payments
82, 360–363
CHF-indexed loans
.
see loans
class actions
12–13, 324, 333, 336
clausula rebus sic stantibus
113, 117, 173, 185, 187
collective redress
12–13, 124, 128, 132, 134, 136–137, 140, 143, 324–330, 331–334
consumer
the concept
40, 47–50, 61
protection gap
254, 259, 261–263, 267–268, 271–272, 274–277
protection law
3–5, 26–42, 46–64, 82, 125–128, 175, 213–214, 218–221, 236–247, 276
rights
30, 124, 260, 375–376, 381, 384, 407, 412
Croatian law
122, 124–128
currency exchange rate
6, 113, 116, 122, 129, 133, 135, 167, 181–184, 207, 236
clauses about
113–115, 181–185, 204–209, 212, 216, 224, 226, 230–232
risk
105–106, 114, 119–120, 129, 133, 136, 142, 181–185, 230–232, 236
Czech law
306–322
Directive on Representative Actions
12–13, 334–340
Dziubak case
145, 181, 187, 203, 229, 236, 241–244, 247
educational tools
401, 408–409, 436–437, 440–444
efficiency
98, 117–119, 328, 337, 344–357
EU Law
4–7, 82, 84–85, 117–121, 125–126, 130, 196–197, 202–204, 208, 246–247, 357–358, 361, 404–405
fairness and reasonableness
124, 130, 134, 139–142, 144, 196, 203–204, 207–208, 219–220, 224, 253, 258–260, 261–268, 274–275, 360–363
Financial Arbitrator
306–322, 358–360
financial awareness
394, 398–399, 414
financial crisis
107, 144, 194, 212–213, 218
financial education
393–410, 414–416, 428, 431–433, 440, 443
financial education strategy
400, 401, 417–421
financial inclusion
400–402, 435
financial literacy
182, 393–410, 416, 426–434, 439–441, 444–445
Financial Ombudsman bodies
British
358–362
German
288–290
Irish
358–359
Italian
200–204, 294–302
Polish
11, 378–379
financial products
2–4, 123, 138, 158–159, 357–365
floor clauses
213, 218, 222
Franak case
124–125, 134, 136–138
French law
153–158, 162–164, 288–290
German law
82–99, 288–290, 378
Greek law
67–79
group proceedings
.
see : class actions
household behaviour
428, 439–440, 446
Hungarian law
108–112, 116–117, 238, 245, 247
ICT
427–428, 431–432, 435, 438–439, 446–447
interest rate
116, 124–125, 138, 140
International Network on Financial Education (INFE)
400–403, 415–416
information duties
29, 32, 77–78, 114, 119–121, 129, 134–135, 176, 178–180, 194, 198, 202–203, 207, 215–218, 223
insurance
contract
7–8, 25–43, 46–64, 168, 215–217, 262–263, 274, 287, 403
distribution
26, 32, 41–42, 52, 54, 61
invalidity
36–39, 51, 110–112, 115, 119, 144, 174, 177, 181, 186, 195–196, 204, 206–207, 214–216, 225–226
investment
3, 8, 27, 47, 67–70, 76–79, 152, 168, 215, 262, 293, 299, 322, 381, 405
Italian law
193–209, 294–302, 358, 379
Kásler case
107, 113, 133, 145, 175, 202, 222, 234–235, 238–241
law and finance
344–358
loan
CHF-indexed
5–6, 107–108, 112–114, 117, 123, 145, 152–153, 193–209, 212, 231–232, 236
mortgage
4–7, 127, 129, 145, 152, 176, 186, 198, 203, 212–215, 229, 236, 243–245, 325–326, 405
multicurrency
214, 216–219
logistic regression
428, 437, 441–442
mass harm
332–333, 340
multicurrency loans
.
see : loans
national human rights protection bodies
373–375
nullity
.
see : invalidity
payment services
8–9, 82–99, 360–363
Payments Services Directive (PSD 2)
8–9, 82, 84–85, 98, 99, 360–363
Polish law
7, 25–45, 236, 241, 248, 361, 378–379, 395
Portuguese law
46–64
precontractual duties
29, 32, 77–78, 129, 132, 134–135, 176, 177–179, 202, 216
responsible lending
136, 183–184, 405, 410, 418
right to education
395–397
Slovenian law
172, 181, 185
Spanish law
212–226
standard contract terms
35–36, 54–61, 72–74, 82–99, 108–109, 135, 140, 184, 219–221, 232–246
exclusion clauses
35–36, 52–53, 59, 62, 266, 274
imposing exchange rate risk on the consumer
113–114, 203, 204, 207–208, 230–232
interpretation
35–36, 71–74, 94, 139, 222, 233–235
judicial review
74, 82–99, 109–110, 113–115, 121, 200, 236–247, 258, 265–266, 350–364
unfair
7–9, 84, 108–109, 124–125, 131, 136, 144, 161–164, 169, 174–177, 179, 181–184, 203–204, 207–208, 224–225, 230
supplementary provisions of national law
116–117, 225, 238–244
swap
213–218
transparency
9, 72–74, 114, 120–121, 124–125, 132, 139–140, 142, 178, 216, 219–223, 234–236, 262, 285, 364
UK Financial Ombudsman Service
253–254, 358–364
UN Guiding Principles on Business and Human Rights
367–369, 374
unauthorised payments
88, 96, 360–364
unfair commercial practices
40–41, 61–64, 76–79, 136–137, 140, 144, 168, 199
Unfair Commercial Practices Directive
8, 40–41, 61–64, 76–79, 126–127, 136–137, 199
Unfair Terms Directive
4, 7, 9, 18, 36, 98, 108–109, 113, 115, 118–120, 126–127, 130, 139, 141, 144–145, 173–175, 178, 185, 203–204, 207–208, 222, 224, 229, 232–236, 239–248