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...

Unter der neuen US-Regierung zeichnet sich ein Wandel im Verbraucherschutz ab. Der Fokus liegt auf Marktmechanismen und dem Abbau regulatorischer Vorgaben. Eine mögliche Folge sind intransparente Preismodelle. Studien zeigen, dass diese Verbraucher:innen systematisch zu höheren Ausgaben...

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...

The GRIDMAP, Global Regulations, Institutional Development and Market Authorities Perspective Consumer Protection Module, aims to develop consumer trust in markets by providing a toolkit to build fair, secure, and contestable markets that enable all consumers to make informed choices

Labels provide consumers with information about the content of their food and help them make informed purchasing decisions. We found that food labelling in the EU can help consumers make better-informed decisions when purchasing food, but there are notable gaps in the EU legal framework as well...

Labels provide consumers with information about the content of their food and help them make informed purchasing decisions. We found that food labelling in the EU can help consumers make better-informed decisions when purchasing food, but there are notable gaps in the EU legal framework as well...

Social media platforms mediate and regulate how influencers engage in monetisation practices. In this social-legal paper we examine one form of monetisation, influencer marketing, to understand how platform policies and interfaces shape commercial content for influencers. We situate our inquiry...

This paper provides a graphic overview on core legislation in the area of the Internal Market and Consumer Protection. The presentation essentially covers the areas within the responsibility of the Committee on Internal Market and Consumer Protection, but also displays neighbouring areas of...

This paper provides a graphic overview on core legislation in the area of the Internal Market and Consumer Protection. The presentation essentially covers the areas within the responsibility of the Committee on Internal Market and Consumer Protection, but also displays neighbouring areas of...

As you start a new life here in the EU, you'll probably need to buy items for you and your family. You might also want to travel to visit friends and family. And let's not forget the many contracts and all the fine print you will need to read and sign for everything from car insurance to utility...

2023 Report of the European Panel to the European Commission in application of Decision 1194/2011/EU of the European Parliament and of the Council of 16 November 2011 establishing a European Union action for the European Heritage Label.

Article 40 of the CPC Regulation obliges the European Commission to submit to the European Parliament and the Council a report on the CPC Regulation by 17 January 2023, including an evaluation of its application. The overall objective of this study was to provide an evaluation of the current CPC...

The free movement of goods within the European Single market is a major achievement that has improved people's lives across the EU. Keeping the market safe is the responsibility of all producers, distributors, retailers and online marketplaces selling goods in the EU. They must ensure their...

Emerging financial products driven by innovation, such as virtual assets and simplified payment services, introduce both new conveniences and in-transaction risks to customer funds. Despite regulations on segregating customer funds already in place, full compliance by businesses with these rules...

Consumer consent regulation is the cornerstone of modern data privacy regulation such as the European GDPR and the Californian CCPA. By ensuring that consumers can reject any harmful data collection, the regulation seems an effective tool for protecting consumers against price discrimination. By...

The 2022 Global State of Financial Inclusion and Consumer Protection (FICP) Report is an update to the 2013 and 2017 FICP reports. These surveys aim to provide a timely source of global data to benchmark efforts by financial sector authorities to improve the enabling environment for financial...

To protect financially distressed families during the COVID-19 pandemic, states implemented emergency measures such as moratoria on evictions and utility shutoffs. These policies prevented utility companies from disconnecting families' energy and water and landlords from obtaining court-ordered...

Food labels are supposed to quickly inform consumers about the nutritional values of products. We provide evidence that in a system where labels are voluntary, they are systematically distorted. The probability of finding a label on a product of the category with the highest nutritional value is...

This paper deals with the problem of how the risk perception among retail customers is affected by the consumer protection regulation on the financial market. Through a questionnaire survey, we have measured the effect of selected consumer protection measures on banking or investment decisions...

In ihrer Rolle als Verbraucher*innen stehen Menschen aktuell vor diversen Herausforderungen im Hinblick auf ihren nachhaltigen Konsum. Das Ziel dieser Vertiefungsstudie zur Umweltbewusstseinsstudie 2022 bestand darin zu untersuchen, wie sich Themen der Kreislaufwirtschaft und Nachhaltigkeit in...

The European Central Bank's interest rate hikes since July 2022 have been passed on to customers by banks on credit markets to a much greater extent than on deposit markets. As a result, banks' net interest margins have risen extraordinarily sharply. An analysis of the interest rate pass-through...

Vergleichstools für Telekommunikations- und Energieprodukte sind für Verbraucher und Unternehmen unerlässlich, um fundierte Entscheidungen über ihre Telekommunikationsund Energiedienstleistungen treffen zu können. Deshalb schreiben die europäischen Richtlinien für Telekommunikation und...