developments

Recent developments in European Consumer Law: Information duties in consumer credit: the CJEU in C-677/23 – Go Health Pro

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At the end of January, the CJEU delivered another judgment interpreting Directive 2008/48 on Consumer Credit. In C-677/23 A. B., F. B. v Slovenská sporitel’ňa a.s. consumers alleged that the credit contract did not contain all the necessary elements provided by the Directive. The dispute thus involved the interpretation of Article 10 (2), which provided the mandatory content for the credit contract. Two … Read more

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

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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

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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

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 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

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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

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