Suchergebnisse

This chapter gives a bird's eye overview of EU financial services regulation.The first part gives a brief map of the areas of law – public, private, self-regulation – in which EU financial services regulation is situated. Part two discusses one of the goals of EU financial services law, which is to create access to finance. The other goal, substantive consumer protection, is dealt with in parts three and four with specific focus on consumer credit and investment. Part five considers the question to what extent EU legislation on consumer credit and investment, which is aimed at 'full harmonization', prevents further regulation through private law in the national laws of the Member States. The chapter closes with an outlook to future legislative initiatives and an assessment of the post-crisis attitude of the EU legislature to regulation in the consumer financial services market.

Intro -- Contents -- Preface -- Chapter 1 -- Protecting Consumers during the Pandemic? An Examination of the Consumer Financial Protection Bureau( -- Statement of the Honorable Kathleen L. Kraninger, Director, Consumer Financial Protection Bureau (CFPB) -- Statement of Director Kathleen L. Kraninger, Consumer Financial Protection Bureau, Before the House Committee on Financial Services, July 30, 2020 -- Empowering Consumers and Turning Financial Education into Action -- Start Small, Save up Initiative -- Convening Communities to Build Elder Fraud Prevention and Response Networks Report -- Misadventures in Money Management for Active Duty Servicemembers -- Ensuring Clear Rules of the Road -- Request for Information, Proposed Rule, and Final Rule: Remittances -- Debt Collection Notices of Proposed Rulemaking -- Advance Notice of Proposed Rulemaking: Home Mortgage Disclosure Act -- Final Rules: Home Mortgage Disclosure (Regulation C)-2019 Final Rule and 2020 Final Rule -- Final Rule: Payday, Vehicle Title, and Certain High-Cost Installment Loans -- Delay of Compliance Date -- Correcting Amendments -- Advance Notice of Proposed Rulemaking and Notices of Proposed Rulemaking: Ability-to-Repay and Qualified Mortgages -- Assessment of Significant Rule: TRID Rule (the Truth in Lending Act and Real Estate Settlement Procedures Act) -- Business Lending Data (Regulation B) -- Notice of Proposed Rulemaking: Amendments to Regulation Z to Facilitate Transition from LIBOR -- Notice of Proposed Rulemaking: Higher-Priced Mortgage Loan Escrow Exemption -- Final Rule: Payday, Vehicle Title, and Certain High-Cost Installment Loans, Revocation -- Ensuring a Culture of Compliance -- Holding Bad Actors to Account and Deterrence through Enforcement -- Activities and Data Supporting All of the Tools -- Legislative Reforms -- Conclusion.

The actuality of the topic, its extent and importance, were strong arguments for writing this paper - Problems of consumer protection in tourism. To this, also the convergence of the fields that focus on the description of a image in deep of the topic is added, we are talking about economic, legal social features or features that belong to the specifics of tourism and of products and services consumed within it. The multiple dimensions of the approached topic transform it into an exciting topic which proves its usefulness when it is known since each individual can acquire the quality of a consumer, and his rights as a consumer are nothing else but the human rights of which every individual has to be aware. A process of education and information of the citizens regarding the rights they possess as consumers could reduce a part of the problems appearing in the process of consume of tourism products and services but it would contribute to the optimization of the protection of rights and interests of the consumers. In economic terms, democracy also implies ensuring the rights of the consumers and thus their protection, therefore the concept of protection of rights and interests of consumers exists.

THE INFORMATIONAL AN SELECTIVE MERCHANDISING POLICIES OF THE COOPS DIRECTED TOWARD CONSUMER PROTECTION HAVE BENEFITTED PRIMARILY THEIR OWN MEMBERSHIP, BUT THE POLITICAL EFFORTS HAVE BENEFITTED ALL CONSUMERS. LIMITATIONS OF RESOURCES. HAVE KEPT CO-OPS FROM DOING MORE IN THIS AREA. CO-OPS ARE NOT TROUBLED TO THE SAME DEGREE AS COMMERCIAL SUPERMARKETS ABOUT OFFENDING WHOLESALERS AND MANUFACTURERS. MANY COMMERCIAL MARKETS ARE OWNED BY THE SAME MULTI-NATIONAL CORPORATIONS THAT SUPPLY THE PRODUCTS THEY SELL. THUS ANY EFFORT TO REGULATE SUPPLIERS AUTOMATICALLY POSES A CONFLICT OF INTEREST FOR THE COMMERCIAL MARKETS. WHILE SOME OF THE PROTECTION POLICIES USED BY CO-OPS ARE ALSO FOUND IN A FEW COMMERCIAL MARKETS SOME OF THE TIME, THEIR USE IS MUCH MORE EXTENSIVE IN THE CO-OPS STORE THE LARGE CO-OP STORES, IN PARTICULAR, WHICH CANNOT DISTINGUISH THEMSELVES IN PRICE OR PRODUCT LINE FROM COMMERCIAL MARKETS, MUST USE CONSUMER EDUCATION TO GENERATE AND RETAIN CUSTOMER LOYALTY. WITHOUT EDUCATIONAL AND PROTECTIVE CAMPAIGNS, CUSTOMERS WOULD VOTE WITH THEIR FEET AND PATRONIZE COMMERCIAL MARKETS.