On the 14th of November, the CJEU published its long-awaited decision on Compass Banca (Case C-646/22; we have previously discussed it here). In this case, the CJEU, for the first time, elaborated on who the ‘average consumer’ is, especially in light of the persistent critiques from behaviouralists, and further clarified the assessment of and the consequences … Read more
The way consumers shop for insurance has greatly changed over the past 20 years. From the rise of digital direct (and more recently, embedded) to having the option to provide data for better prices, consumers have more influence than ever before. The core elements underpinning these changes, increasing capture and use of data and the … Read more
Last Thursday the CJEU issued a new judgment in the saga of Swiss francs mortgage loan contracts (C-140/22 – there is no English language text available yet). It was a Polish court who asked for a clarification of a few issues related to voiding such contracts as a result of them containing an unfair contract … Read more
Happy 2024 Dear Readers! We are starting a new year of reporting with the reference to the last week’s judgment in the Polish case referred to the CJEU as Getin Noble Bank and Others (C-531/22 – not yet available in English, but accessible in other languages). This judgments continues to provide guidance on the application of the … Read more
On March 21, the CJEU published the most recent judgment interpreting provisions of Regulation 261/2004 on air passenger rights in the case Cobult (C-76/23) concerning the possibility of reimbursing passenger’s ticket cost through a voucher. Many of our readers may have experienced a flight cancellation over the past couple of years, not limited to Covid-19-related causes. … Read more
