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Notes on Contributors

in Protecting Financial Consumers in Europe
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Notes on Contributors

Piotr Tereszkiewicz

Ph.D. (Jagiellonian University in Kraków), M.Jur (Oxford) is a professor at the Jagiellonian’s University Private Law Department and a senior affiliated researcher at the University of Leuven (KU Leuven). His research interests include consumer law and financial services in a comparative and international perspective. He was Deputy Chair of the Scientific Advisory Committee at the Financial Ombudsman in Poland (2019–2021).

Mariusz J. Golecki

is a judge at the Supreme Administrative Court in Poland, a professor at the University of Lódź and Director of the Institute of Comparative and Interdisciplinary Research in Law, the Faculty of Law and Administration, University of Lódź. In 2021–2022 Undersecretary of State, Deputy Minister of Development and Technology in Poland responsible for economic regulation. Financial Ombudsman in Poland (2019–2021). Educated both in Civil Law (1998 University of Warsaw) and Common Law (LL.M. 2001, University of Cambridge, Trinity College). Marie-Curie Fellow at the Institute of Law and Economics, University of Hamburg, Germany (2002–2003). Visiting Scholar in the Centre for European Legal Studies at the Faculty of Law, University of Cambridge (2008–2009). He specializes in Financial Law, Law and Economics and Comparative Law. The author and co-author of 5 monographs and about 90 articles.

Dr Ugochi C. Amajuoyi

is a lecturer at the University of Essex, Department of Law where she teaches in the areas of consumer and commercial contract law, tort law and international financial law. She gained extensive experience of the consumer financial services sector and consumer alternative dispute resolution whilst working at the Financial Ombudsman Service for six years. Her research interests currently include consumer financial protection, consumer ADR, the implications of digital technologies for consumer protection law and fintech regulation.

Rui Mascarenhas Ataíde

is an Auxiliary Professor at the Faculty of Law of the University of Lisbon and president of the IDC Association for the Study of Consumer Law. He is the author of A responsabilidade do “representado” na representação tolerada (2008), Causalidade e imputação objectiva na teoria da responsabilidade civil (2010), Responsabilidade civil por violação de deveres no tráfego (2015), Posse e detenção (2015), A venda de bens de consumo (2017), Estudos de Registo Predial (2017), Os deveres no tráfego, in Estudos comemorativos dos 50 anos do Código Civil (2019), a co-author in Código das Sociedades Comerciais anotado (2022).

Francesca Bichiri

is a research fellow and a PhD candidate at the Department of Law, University of Turin where she is involved in the research project ‘Entrepreneurship and innovation in the food sector. Analysis of the ecosystem of innovation in the agri-food sector’, being a part of the European project ‘RIS Inspire’ of EIT food. She has been a visiting PhD student at the University of Luxembourg and the Commercial Law Centre, based at Harris Manchester College, University of Oxford. As part of her PhD, her field of research mainly concerns investor protection instruments and new technologies in finance.

Grażyna Borys

is a professor at the Faculty of Economics and Management, University of Zielona Góra, Poland. Her research focuses on the social responsibility of commercial banks and the role of the banking sector in supporting sustainable development. She is the author of many studies on the environmental risk of banks, responsible lending and borrowing, and consumer protection in the financial services market. She is a founding member of the Polish Association of Environmental Economists and Natural Resources. She was Chair of the Scientific Advisory Committee at the Financial Ombudsman in Poland (2019–2021).

Jernej Letnar Černič

is a full professor of Human Rights and Constitutional Law at the European Faculty of Law and the Faculty of Government and European Studies of the New University (Ljubljana/Kranj) and a visiting professor of Law at the European University Viadrina in Frankfurt (Oder) and at the Riga Graduate School of Law. He has published extensively on business and human rights, the rule of law and human rights law and his studies have been cited in reports of the United Nations, the European Parliament, the Council of Europe, and in the decisions of the Slovenian Constitutional Court.

Ewa Cichowicz

is an assistant professor at SGH – The Warsaw School of Economics, PhD in Economics, triple master’s degree in Economics (Finance and Banking, Informatics and Econometrics, International Relations). A participant with papers or panellist/moderator at over sixty academic conferences (also international). A participant on seventeen research teams (in four of them as a leader) and head of eleven individual research studies. The author and co-author of several dozen publications on economic and financial topics, including banking and new technology in banking, financial exclusion, financial education, efficiency in the public sector, CSR, social policy, and social insurance.

Andrea Fejős

is a lecturer at the School of Law, University of Essex, where she teaches contract and banking law. Andrea’s research is on the intersection of consumer law, financial regulation, and financial consumer law. In her research she applies general consumer protection rules and principles to the specific context of financial services and products. She has a particular interest in ADR, the enforcement of consumer law, and social finance. Andrea has been an expert consultant on several research projects for the EU Commission and she is one of the authors of the popular blog: Recent developments in European Consumer Law.

Marta Infantino

Ph.D. (Palermo), LL.M. (NYU), is an associate professor of Private Comparative Law at the University of Trieste, Italy. She has been visiting professor at the Université de Montréal (Canada), the Universidad de los Andes (Colombia), the Université d’été pour le droit continental and the Université Catholique de Lille (France). She is an associate member of the International Academy of Comparative Law and a member of the Scientific Committee of the Financial Ombudsman of the Republic of Poland. She chairs the ‘Tort Law Group’ within the ‘Common Core of European Private Law’ project.

Małgorzata Iwanicz-Drozdowska

is a full professor of Finance at SGH – The Warsaw School of Economics (Poland), chair of the Financial System Department. She has been involved in business practice for almost 30 years. She was a visiting researcher at New York University (March 2013), a visiting fellow at Columbia University (March 2017) and a visiting professor within the Erasmus program. She is the author of more than 170 publications and a participant in numerous research projects. Her specialization includes financial safety nets, financial stability, the management of financial institutions and financial education.

Associate Professor, JUDr. Josef Kotásek

Ph.D. is the head of the Department of Commercial Law at the Faculty of Law of Masaryk University (Brno). His research activities focus on securities, commercial papers, capital markets and unfair competition law. He served as a member of the Czech National Bank’s Board of Appeal and of the Legislative Council of the Czech Government. He is the editor-in-chief of the Journal of Jurisprudence and Legal Practice and a long-term arbitrator in domestic and international disputes. Josef Kotásek is the chairman of the Czech Society for the Study of the Law of German-Speaking Countries.

Dr Łukasz Kurowski

is an assistant professor at SGH – The Warsaw School of Economics. He focuses on climate risk, financial stability, macroprudential policy and financial education and has published papers in the fields of systemic risk, central banking and financial literacy in among others the Journal of Financial Stability, Economic Modelling and Finance Research Letters.

Mariola Lemmonier

is a professor at the Faculty of Law and Administration, University of Lódź, Poland, visiting professor at the Faculty of Law of Toulouse1-Capitole University, France. A habilitated doctor of French and Polish Law, lawyer and economist, president of the Polish Section of the Association des amis de la culture juridique française, associate member of the International Academy of Comparative Law, a member of expert groups in the field of financial market law and comparative law.

Karolina Mendecka

PhD (2019), is a lecturer at the Institute of Comparative and Interdisciplinary Research in Law Faculty of Law and Administration, University of Lódź, with a double master’s degree in Law (University of Warsaw 2015, Lund University, 2018). A practicing attorney, who gained her experience in the financial services market while working at the Financial Ombudsman’s Office. She is a researcher in the field of the theory and philosophy of human rights, focusing on consumer rights and the right to financial education.

Prof. Dr. Georgios Mentis

is a professor of Civil Law at the Law School of the University of Athens and attorney before the Supreme Court of Greece. He studied law at the Universities of Athens (1981–1985) and Hannover (1986–1991), where he obtained a doctorate (‘The limits of procedural clauses in the general conditions of contracts’, NOMOS-Verlag 1994). He is the author of three books (‘Apparent authority’, 2005; ‘Legal protection of the over-indebted debtor’, 2012; ‘Unfair contract terms in consumer contracts’, 2020) and numerous papers, published in foreign and Greek law journals. He has participated in many international academic conferences.

Emilia Mišćenić

is an associate professor at the Faculty of Law of the University of Rijeka. She holds a master’s degree from the Europa-Institut Universität des Saarlandes and PhD from the Rechtswissenschaftliche Fakultät Karl-Franzens Universität Graz. In 2011 she was awarded the National Science Award by the Croatian Parliament. In 2020 she received the annual ‘Ivan Filipović’ Award of the Republic of Croatia for her outstanding academic and professional efforts. She is a member of the International Association of Consumer Law, Croatian Comparative Law Association, and co-chair of the Croatian Hub of the European Law Institute.

Sebastian Omlor

Prof. Dr. iur., LL.M. (NYU), LL.M. Eur. (University of Saarland), is a full professor and Director of the Institute for Comparative Law at the University of Marburg, Germany. He holds the chair for Private Law, Commercial and Business Law, Banking Law and Comparative Law.

Katarzyna Południak-Gierz

is a lecturer at the Jagiellonian University’s Private Law Department. Her academic interests focus on the interplay between private law and technology. She researches private law reactions toward the use of personalization techniques in consumer contracts and the possibility of using granularity to increase the ecological efficiency of sales law.

Dr András Pomeisl

is a senior advisor at the Supreme Court of Hungary. He obtained his Law degree from the Péter Pázmány Catholic University (PPKE), Hungary in 2002. He has taught private law as a mandated lecturer at PPKE since 2015. In 2021, he earned a PhD degree for the thesis ‘Some theoretical issues of foreign exchange-based loan agreements’.

Cristina Poncibò

is a professor of Comparative Private Law at the Law Department of the University of Turin and a faculty member at the Georgetown Center for Transnational Legal Studies in London, UK. Cristina is a member of the International Association of Comparative Law and delegate of the Law Department at the American Association of Comparative Law. She is the Scientific Director of the Master’s in International Trade Law, organised with ITC-ILO, Uncitral and Unidroit. Cristina has been a Marie Skłodowska-Curie Fellow from the European Commission for (Université Panthéon-Assas) and a Max Weber Fellow at the European University Institute, Italy.

Francisco Rodrigues Rocha

is an auxiliary adjunct professor at the Faculty of Law of the University of Lisbon. A lawyer on the Portuguese Bar Association. vice-president of the IDC Association for the Study of Consumer Law. A member of the Board of Directors of AIDA Portugal. Research interests include Maritime and Insurance Law. Among articles and chapters published, the author of Do princípio indemnizatório no seguro de danos (2015); a co-author in 40 anos. Fundo de Garantia Automóvel (2021), Código das Sociedades Comerciais anotado (ed. Menezes Cordeiro, 2022), and Lei da Distribuição de Seguros anotada (ed. Romano Martinez, 2019).

Teresa Rodríguez de las Heras Ballell

is professor of Commercial Law, Carlos III Madrid University, a Sir Roy Goode Scholar at UNIDROIT, Rome, 2021–2022. Distinguished visiting professor of Law at Tulane Law School, visiting fellow at Harris Manchester College in Oxford University, a Marie Curie Fellow at the Centre of European Law and Politics (ZERP) of the University of Bremen, Chair of Excellence at Oxford University (Harris Manchester College). Other visiting teaching or research positions include Columbia Law School (2014, 2015/16, 2021), Université de Toulouse 1 Capitole, University of Washington, University of Tokyo, and University College of London. An expert at UNIDROIT and UNCITRAL.

Jorg Sladic

is an assistant professor of EU law and private law, European Faculty of Law, Ljubljana, and a practising attorney in Slovenia. He holds a German PhD (2007) in jurisprudence from the University of Saarland (Saarbrücken, Germany). Member of the European Commission’s expert group against SLAPP (Strategic Lawsuits Against Public Participation), member of the European Commission’s expert group on modernisation of judicial cooperation in civil and commercial matters. Formerly, a legal secretary (référendaire) of Advocate General Trstenjak at the CJUE, an EU official, and a lawyer-linguist at the CJUE and the ECB.

Noah Vardi

is an associate professor of Comparative Law at the Roma Tre University. Her research focuses on European private law, financial markets, banking and payment systems and the law of money and cryptocurrencies. Her publications include a monograph entitled The Integration of European Financial Markets: The Regulation of Monetary Obligations (Routledge 2010), and the monograph Creditworthiness and ‘Responsible Credit’: A comparative study of EU and US law (Brill 2022). As of April 2022, she is a member of the Italian Banking and Financial Ombudsman.

Hans Wilke

is a PhD Candidate at the University of Marburg, Germany.

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Protecting Financial Consumers in Europe

Comparative Perspectives and Policy Choices

Reihe:  Comparative Law in Global Perspective, Band: 3
Cover Protecting Financial Consumers in Europe
ISBN:
9789004534391
Verleger:
Brill | Nijhoff
Print-Publikationsdatum:
15 Feb 2023
  • Fachgebiete
    • Internationales Recht
      • Internationales Recht: Regionale Perspektiven
      • Vergleichendes Recht
      • Internationales Handels- & Investitionsrecht
Front Matter
Preliminary Material
Copyright page
Foreword
Preface
Notes on Contributors
Introduction: Financial Consumers, Complex Contractual Products, and Dispute Resolution – Setting the Scene
Part 1 Consumer Protection across Different Financial Products
Chapter 1 Consumer Protection in Polish Insurance Law
Chapter 2 Consumer Protection in Portuguese Insurance Law
Chapter 3 Consumer Protection regarding Banking Deposit Products in Greek Law
Chapter 4 Judicial Review of Standard Business Terms in Payment Services Contracts in German Law
Part 2 Foreign Currency Loans in Europe
Chapter 5 Foreign Currency Loans in Hungary
Chapter 6 Foreign Currency Loans in Croatia
Chapter 7 Foreign Currency Loans in France
Chapter 8 Foreign Currency Loans in Slovenia
Chapter 9 Foreign Currency Loans in Italy
Chapter 10 Complex Mortgage Loans in Spain
Chapter 11 Foreign Currency Loans and Directive 93/13: The CJUE as a Legal Architect
Part 3 Financial Ombudsman Bodies and Consumer Protection
Chapter 12 Mind the Consumer Protection Gap: The UK Financial Ombudsman Service, Fairness and Reasonableness, and the Law
Chapter 13 Comparative Perspective on the Banking and Financial Ombudsman: Current Limitations and Possible Solutions
Chapter 14 The Financial Arbitrator in the Czech Republic
Chapter 15 Collective Redress for Consumers of Financial Services
Chapter 16 Judicial Governance and the Financial Markets from the Law and Economics Perspective
Chapter 17 The Role and Nature of Financial Ombudsman Institutions in Business-related Human Rights
Part 4 The Way Forward: Building Consumer Protection through Financial Education
Chapter 18 Financial Education: A Human Rights Perspective on Financial Literacy
Chapter 19 A Comparative Analysis of National Financial Education Strategies among the Visegrad Group
Chapter 20 Household Approaches to New Technologies in Financial Education in Poland
Back Matter
Index

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