Consumer

Recent developments in European Consumer Law: Artificial intelligence in financial services – Go Health Pro

by

Today, Finance Watch, a non-profit association dedicated to reforming finance in the interest of European citizens, published a ground-breaking report: ‘Artificial intelligence in finance: how to trust a black box?‘ authored by its Chief Economist Thierry Philipponnat. As AI-powered systems increasingly drive financial decision-making in areas such as credit assessments, insurance pricing and investment products, … Read more

Recent developments in European Consumer Law: Credit reference agencies, consumer profiling and the GDPR: the CJEU in C-203/22 – Go Health Pro

by

On February 27, 2025, the CJEU delivered an important judgment on the interpretation of Article 15(1)(h) and Article 22 of Regulation (EU) 2016/679 on General Data Protection (GDPR) in C-203/22 CK Magistrat der Stadt Wien v Dun & Bradstreet Austria GmbH. The facts The mobile phone operator refused CK’s request to conclude or extend the mobile telephone contract for a monthly … Read more

Recent developments in European Consumer Law: “Initial commitment period” of two years in phone subscriptions – Go Health Pro

by

 Many readers will have had the experience – signing up for a new mobile (phone) contract and opting for the 2-year commitment in order to obtain the best terms, and then again starting a new contract with the same provider when a new and more attractive offer comes about. What happens then with the remaining … Read more

Recent developments in European Consumer Law: Sanctions for Not Providing Essential Information in Credit Contracts – Go Health Pro

by
Recent developments in European Consumer Law: Sanctions for Not Providing Essential Information in Credit Contracts – Go Health Pro

The case concerned a debt collection agency (Lexitor), acting as an assignee of the rights of a consumer who had concluded a consumer credit agreement with a bank for an amount of approx. 9.000 EUR. In addition, the consumer was required to pay capital interest (approx. 4.500 EUR) and a commission fee (approx. EUR 1.100), whereas … Read more

Recent developments in European Consumer Law: Passenger rights when flights are cancelled – Go Health Pro

by
Recent developments in European Consumer Law: Passenger rights when flights are cancelled – Go Health Pro

On January 16 the CJEU issued two judgments further interpreting Regulation 261/2004 on air passenger rights, in the cases flightright (C-642/23) and Qatar Airways (C-516/23).  flightright (C-642/23) A passenger booked via a tour operator a flight operated by Etihad Airways from Düsseldorf (Germany) to Brisbane (Australia), via Abu Dhabi (UAE) with an open return ticket. The flight from … Read more