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Protecting Financial Consumers in Europe
Comparative Perspectives and Policy Choices
Series: - Comparative Law in Global Perspective, Volume: 3
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.
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.
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.
Contents
Foreword
Preface
Notes on Contributors
Introduction: Financial Consumers, Complex Contractual Products, and Dispute Resolution â Setting the Scene
âPiotr Tereszkiewicz
1 Consumer Protection in Polish Insurance Law
âPiotr Tereszkiewicz and Katarzyna PoÅudniak-Gierz
2 Consumer Protection in Portuguese Insurance Law
âRui Mascarenhas AtaÃde and Francisco Rodrigues Rocha
3 Consumer Protection regarding Banking Deposit Products in Greek Law
âGeorgios Mentis
4 Judicial Review of Standard Business Terms in Payment Services Contracts in German Law
âSebastian Omlor and Hans Wilke
5 Foreign Currency Loans in Hungary
âAndrás Pomeisl
6 Foreign Currency Loans in Croatia
âEmilia MiÅ¡ÄeniÄ
7 Foreign Currency Loans in France
âMariola Lemonnier
8 Foreign Currency Loans in Slovenia
âJorg SladiÄ
9 Foreign Currency Loans in Italy
âMarta Infantino
10 Complex Mortgage Loans in Spain
âTeresa RodrÃguez de las Heras Ballell
11 Foreign Currency Loans and Directive 93/13: The CJUE as a Legal Architect
âPiotr Tereszkiewicz
12 Mind the Consumer Protection Gap: The UK Financial Ombudsman Service, Fairness and Reasonableness, and the Law
âUgochi Amajuoyi and Andrea FejÅs
13 Comparative Perspective on the Banking and Financial Ombudsman: Current Limitations and Possible Solutions
âFrancesca Bichiri and Cristina Poncibò
14 The Financial Arbitrator in the Czech Republic
âJosef Kotásek
15 Collective Redress for Consumers of Financial Services
âNoah Vardi
16 Judicial Governance and the Financial Markets from the Law and Economics Perspective
âMariusz J. Golecki
17 The Role and Nature of Financial Ombudsman Institutions in Business-related Human Rights
âJernej Letnar ÄerniÄ
18 Financial Education: A Human Rights Perspective on Financial Literacy
âKarolina Mendecka
19 A Comparative Analysis of National Financial Education Strategies among the Visegrad Group
âGrażyna Borys
20 Household Approaches to New Technologies in Financial Education in Poland
âMaÅgorzata Iwanicz-Drozdowska, Ewa Cichowicz and Åukasz Kurowski
Index
Foreword
Preface
Notes on Contributors
Introduction: Financial Consumers, Complex Contractual Products, and Dispute Resolution â Setting the Scene
âPiotr Tereszkiewicz
Part 1: Consumer Protection across Different Financial Products
1 Consumer Protection in Polish Insurance Law
âPiotr Tereszkiewicz and Katarzyna PoÅudniak-Gierz
2 Consumer Protection in Portuguese Insurance Law
âRui Mascarenhas AtaÃde and Francisco Rodrigues Rocha
3 Consumer Protection regarding Banking Deposit Products in Greek Law
âGeorgios Mentis
4 Judicial Review of Standard Business Terms in Payment Services Contracts in German Law
âSebastian Omlor and Hans Wilke
Part 2: Foreign Currency Loans in Europe
5 Foreign Currency Loans in Hungary
âAndrás Pomeisl
6 Foreign Currency Loans in Croatia
âEmilia MiÅ¡ÄeniÄ
7 Foreign Currency Loans in France
âMariola Lemonnier
8 Foreign Currency Loans in Slovenia
âJorg SladiÄ
9 Foreign Currency Loans in Italy
âMarta Infantino
10 Complex Mortgage Loans in Spain
âTeresa RodrÃguez de las Heras Ballell
11 Foreign Currency Loans and Directive 93/13: The CJUE as a Legal Architect
âPiotr 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
âUgochi Amajuoyi and Andrea FejÅs
13 Comparative Perspective on the Banking and Financial Ombudsman: Current Limitations and Possible Solutions
âFrancesca Bichiri and Cristina Poncibò
14 The Financial Arbitrator in the Czech Republic
âJosef Kotásek
15 Collective Redress for Consumers of Financial Services
âNoah Vardi
16 Judicial Governance and the Financial Markets from the Law and Economics Perspective
âMariusz J. Golecki
17 The Role and Nature of Financial Ombudsman Institutions in Business-related Human Rights
âJernej Letnar ÄerniÄ
Part 4: The Way Forward: Building Consumer Protection through Financial Education
18 Financial Education: A Human Rights Perspective on Financial Literacy
âKarolina Mendecka
19 A Comparative Analysis of National Financial Education Strategies among the Visegrad Group
âGrażyna Borys
20 Household Approaches to New Technologies in Financial Education in Poland
âMaÅgorzata Iwanicz-Drozdowska, Ewa Cichowicz and Åukasz Kurowski
Index
Researchers and legal practitioners in Consumer and Financial Services Law and European Private Law; graduate students in Law, Economics, Finance, and EU Studies; consumer organizations; consumer protection bodies; financial supervision bodies; university and research libraries.