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Making Consumer Finance Work

In early 2009, with the financial crisis still raging, progressive policymakers successfully passed legislation upending the credit card industry. This legislation precluded card issuers from changing interest rates without sufficient...

14 February 2019

Natasha Sarin

‘Dieselgate’: European Collective Redress and the New German Model Declaratory Action

Collective redress on behalf of consumers has been debated for long in Europe and Germany. The ‘Dieselgate’ scandal has brought another occasion to advance the discussion. Both Germany and Europe...

11 December 2018

Caroline Meller-Hannich

Law and Autonomous Systems Series: Algorithmic Credit Scoring and the Regulation of Consumer Credit Markets

Recent advances in machine learning (ML) and Big Data techniques have enabled the development of more sophisticated, automated consumer credit scoring models—a trend referred to as ‘algorithmic credit...

1 November 2018

Nikita Aggarwal

Law and Autonomous Systems Series: Toward a Consumer Contract Law for an Algorithmic Age

Proprietary, sophisticated computer algorithms are a hidden yet central element of how we work and play today. Businesses use algorithms internally to make decisions and improve their service offerings. And...

17 April 2018

Lauren Scholz

Law and Autonomous Systems Series: Smart consumer contracts - The end of civil procedure?

Today, consumers are provided with a vast array of mandatory consumer rights, ranging from statutory warranty and cancellation rights to claims for compensation in cases of impaired performance. However, the...

29 March 2018

Martin Fries

The Promise of Reward Crowdfunding

Reward crowdfunding (RC) is fundamentally different from both debt and equity crowdfunding, because the provider of funds does not buy a financial security. However, it is also different from charity...

13 February 2018

María Gutiérrez

ICYMI: FCA publishes future Mission

The FCA has recently published its future Mission to start a discussion on how it can make a difference in making markets work well, particularly taking into account consumers’ increasingly...

2 November 2016

OBLB Editors

ECJ Decision VKI v Amazon

In Verein für Konsumenteninformation v Amazon EU Sarl (Case C-191/15), the Court of Justice of the European Union (CJEU) has reaffirmed the position with regards to which member state’s data...

29 September 2016

Charles Russell Speechlys

UK Consumer Law in the Wake of the EU Referendum

This post comes to us from TaylorWessing. It has been co-authored by Katie Chandler, Debbie Heywood and Sian Skelton. This post was...

17 July 2016

Taylor Wessing

The Statutory Right to Seek a Credit Contract Variation on the Grounds of Hardship: a History and Analysis

In the context of consumer credit, the term ‘financial hardship’ refers to a situation where a consumer takes on obligations under a credit contract, but then becomes unable to meet...

Making Consumer Finance Work

‘Dieselgate’: European Collective Redress and the New German Model Declaratory Action

Law and Autonomous Systems Series: Algorithmic Credit Scoring and the Regulation of Consumer Credit Markets

Law and Autonomous Systems Series: Toward a Consumer Contract Law for an Algorithmic Age

Law and Autonomous Systems Series: Smart consumer contracts - The end of civil procedure?

The Promise of Reward Crowdfunding

ICYMI: FCA publishes future Mission

ECJ Decision VKI v Amazon

UK Consumer Law in the Wake of the EU Referendum

The Statutory Right to Seek a Credit Contract Variation on the Grounds of Hardship: a History and Analysis

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