This document highlights major advancements in financial inclusion, especially with the PIX payment system. However, financial consumers are increasingly at risk from fraud, scams, over-indebtedness, and mis-sold bundled insurance products. It calls for a structured approach to reforming the...

Privacy regulations like the General Data Protection Regulation aim to empower consumers with greater transparency and control over their personal data. In response, firms may exercise price discrimination in the form of versioning. This paper studies how these two aspects of privacy regulation...

In light of the data provided and taking under consideration the classification as toxic for reproduction Cat. 2, the SCCS considers micron-sized particulate Silver not safe at concentrations up to 0.2 % in rinse-off and 0.3 % in leave-on cosmetic products when used alone or in combination....