|
|
|
xiii | |
|
|
|
xvii | |
|
|
|
1 | (8) |
|
2 Consumer Law and the Market |
|
|
9 | (36) |
|
|
|
9 | (1) |
|
2 Historical Evolution of Consumer Law and Policy |
|
|
10 | (8) |
|
2.1 The lack of a consumer law category |
|
|
11 | (1) |
|
2.2 Political recognition of the consumer at the international level |
|
|
12 | (2) |
|
2.3 Different national models of consumer protection |
|
|
14 | (2) |
|
2.4 The notion of the average consumer in EU law |
|
|
16 | (2) |
|
3 The European Union's Competence in Consumer Law |
|
|
18 | (13) |
|
|
|
18 | (3) |
|
3.2 The Single European Act |
|
|
21 | (2) |
|
3.3 The Treaty of Maastricht |
|
|
23 | (3) |
|
3.4 The Treaty of Amsterdam and the Tobacco Advertising case |
|
|
26 | (5) |
|
4 Consumer Policy and the Lisbon Treaty |
|
|
31 | (12) |
|
4.1 The full-harmonization trend |
|
|
31 | (2) |
|
4.2 The implications for national systems |
|
|
33 | (4) |
|
4.3 The citizen consumer and the Charter of Fundamental Rights |
|
|
37 | (2) |
|
|
|
39 | (4) |
|
|
|
43 | (2) |
|
3 The Evolution of Consumer Protection and Human Rights |
|
|
45 | (32) |
|
|
|
45 | (1) |
|
2 The International Law Context |
|
|
46 | (8) |
|
2.1 Consumer protection as a new generation of human rights? |
|
|
46 | (3) |
|
2.2 Implicit consumer protection in human rights agreements |
|
|
49 | (1) |
|
2.3 The United Nations Guidelines for Consumer Protection |
|
|
50 | (1) |
|
2.4 Debates on human rights |
|
|
51 | (2) |
|
2.5 The impact of international law on consumer protection |
|
|
53 | (1) |
|
3 Consumer Protection in the EU Charter of Fundamental Rights |
|
|
54 | (14) |
|
3.1 The creation and the aim of the Charter of Fundamental Rights |
|
|
54 | (2) |
|
3.2 The functions of the Charter and its social dimension |
|
|
56 | (2) |
|
3.3 The relevant provisions in the Charter for consumer protection |
|
|
58 | (3) |
|
3.4 The scope and limited application of the Charter |
|
|
61 | (2) |
|
3.5 The difference between rights and principles |
|
|
63 | (2) |
|
3.6 The implications of the Charter and the Lisbon Treaty |
|
|
65 | (3) |
|
4 The Influence of Constitutional Rights and Principles |
|
|
68 | (7) |
|
4.1 Constitutional consumer law models in selected countries |
|
|
68 | (3) |
|
4.2 The impact of constitutional rights and principles on contracts |
|
|
71 | (1) |
|
4.3 The protection of health and safety |
|
|
72 | (3) |
|
|
|
75 | (1) |
|
|
|
75 | (2) |
|
4 A Broader Perspective on Consumer Protection and Human Rights |
|
|
77 | (32) |
|
|
|
77 | (1) |
|
2 The Transformed Role of the Consumer |
|
|
78 | (7) |
|
2.1 Changes in markets and regulation |
|
|
79 | (2) |
|
2.2 Changes in consumers, vulnerable groups, and ethical trends |
|
|
81 | (2) |
|
2.3 Adapting consumer law to economic and social changes |
|
|
83 | (2) |
|
3 Freedom, Capabilities, Human Rights, and Procedures |
|
|
85 | (13) |
|
3.1 Economic efficiency, freedom, and justice |
|
|
85 | (4) |
|
3.2 Substantive freedoms, capability, and ethical demands |
|
|
89 | (4) |
|
|
|
93 | (3) |
|
3.4 Procedural rights and participation |
|
|
96 | (2) |
|
4 Reassessing EU Consumer Law and Fundamental Rights |
|
|
98 | (9) |
|
4.1 Economic and social dimensions of consumer law |
|
|
99 | (2) |
|
4.2 Social responsibility and sustainable behaviour |
|
|
101 | (3) |
|
4.3 Procedural rights---a catalogue for consumer law? |
|
|
104 | (2) |
|
4.4 Feasibility and policy implications |
|
|
106 | (1) |
|
|
|
107 | (2) |
|
5 Consumer Protection and Financial Contracts |
|
|
109 | (36) |
|
|
|
109 | (1) |
|
2 Financial Consumer Protection and Credit Regulation |
|
|
110 | (13) |
|
2.1 The rise of consumer credit and EU regulation |
|
|
113 | (3) |
|
2.2 The 2008 Credit Agreements Directive and its focus on information |
|
|
116 | (3) |
|
|
|
119 | (2) |
|
2.4 Social justice debates |
|
|
121 | (2) |
|
3 Fundamental Rights, Social Principles, and Non-Discrimination |
|
|
123 | (10) |
|
3.1 The role of the Charter |
|
|
124 | (2) |
|
3.2 Constitutional principles in financial guarantor cases |
|
|
126 | (2) |
|
3.3 Protection of guarantors by the ECJ |
|
|
128 | (2) |
|
3.4 The fundamental right of non-discrimination |
|
|
130 | (3) |
|
4 Financial Capability and Over-Indebtedness |
|
|
133 | (10) |
|
4.1 Corporate responsibility and social banking |
|
|
134 | (3) |
|
4.2 Financial literacy and education |
|
|
137 | (3) |
|
4.3 The `fresh start' in consumer bankruptcy |
|
|
140 | (3) |
|
|
|
143 | (2) |
|
6 Electronic Communication, Fundamental Rights Conflicts, and Consumer Participation |
|
|
145 | (30) |
|
|
|
145 | (2) |
|
2 Liberalization and Universal Services |
|
|
147 | (9) |
|
2.1 Evolution of the current legal framework |
|
|
148 | (2) |
|
2.2 The concept and justification of universal services |
|
|
150 | (1) |
|
2.3 Services of general economic interest in primary law |
|
|
151 | (3) |
|
2.4 Universal services in secondary law |
|
|
154 | (2) |
|
3 Information, Unfair Terms, and Fundamental Rights Conflicts |
|
|
156 | (10) |
|
3.1 Consumer empowerment through information |
|
|
157 | (2) |
|
3.2 Protection from unfair terms and dispute resolution |
|
|
159 | (1) |
|
3.3 Data protection as a human right |
|
|
160 | (2) |
|
3.4 Balancing fundamental rights |
|
|
162 | (2) |
|
3.5 The Scarlet Extended case |
|
|
164 | (2) |
|
|
|
166 | (7) |
|
4.1 Participation and representation of consumer interests |
|
|
167 | (1) |
|
4.2 The Communications Consumer Panel and EU consultations |
|
|
168 | (3) |
|
4.3 Participation and the citizens' initiative after Lisbon |
|
|
171 | (2) |
|
|
|
173 | (2) |
|
7 Consumers' Access to Justice and Procedural Rights |
|
|
175 | (36) |
|
|
|
175 | (1) |
|
2 Access to Justice as a Human Right |
|
|
176 | (10) |
|
2.1 Access to justice barriers |
|
|
177 | (2) |
|
2.2 Existing redress mechanisms in the EU |
|
|
179 | (2) |
|
2.3 Collective redress mechanisms in Member States |
|
|
181 | (2) |
|
2.4 A typology of collective redress cases |
|
|
183 | (3) |
|
3 Procedural Consumer Rights |
|
|
186 | (16) |
|
3.1 Recent developments in EU law and policy |
|
|
186 | (4) |
|
3.2 The principle of effectiveness and EU competences |
|
|
190 | (2) |
|
3.3 Developing EU collective redress procedures for consumers |
|
|
192 | (3) |
|
3.4 Alternative dispute resolution and fundamental rights |
|
|
195 | (4) |
|
3.5 The new legislation on ADR and ODR |
|
|
199 | (3) |
|
|
|
202 | (7) |
|
4.1 The fundamental right to legal aid |
|
|
202 | (3) |
|
|
|
205 | (1) |
|
4.3 Conditional fee agreements and human rights limitations |
|
|
206 | (1) |
|
4.4 Third-party funding and legal expenses insurance |
|
|
207 | (1) |
|
4.5 Consumer actions and class proceedings funds |
|
|
208 | (1) |
|
|
|
209 | (2) |
|
|
|
211 | (6) |
| Bibliography |
|
217 | (20) |
| Index |
|
237 | |