Search results for "Consumer protection"
showing 10 items of 42 documents
Juridiskā zinātne, Nr. 10
2017
The Journal No. 10 is financed by the project of Latvian Council of Science “The Experience, Lessons and International Importance of the Restoration of Latvia’s Independent Statehood (Historical, Political and Legal Aspects)”
Unfair play? Video games as exploitative monetized services: An examination of game patents from a consumer protection perspective
2019
Video games as a consumer product have changed significantly with the advent of in-game purchasing systems (e.g., microtransactions, ‘loot boxes’). This review examines consumer protections related to in-game purchasing by anticipating some of the potential design strategies that might contribute to higher risk consumer behavior. Attention was directed towards the analysis of patents for potential in-game purchasing systems, with 13 identified on Google Patents. The design features were analysed in relation to the consumer rights and guarantees described in the terms of use agreements of the patent assignees. The analysis revealed that some in-game purchasing systems could be characterized …
Abuse of consumer trust in the digital market and the green market: the case of green washing in the Italian legal system
2022
Purpose The purpose of this paper is to offer some reflection on the abuse of consumer trust and the importance of control of information in the digital market and the green market. The role of the consumer as the arbiter of the market is fundamental. The abuse of consumer confidence depends, in fact, on the spread of stereotyped messages and vague and generic formulas aimed at hiding a dangerous vacuum of protection. In both markets, it is a question of giving the consumer the necessary tools to monitor the transparency of the criteria used by the trader to classify a product according to its characteristics. Design/methodology/approach Based on the analysis of an Italian case law and the…
COMPLIANCE PROGRAM IN LATVIAS’ BANKING SECTOR: THE RESULTS OF A SURVEY
2012
Regulators more than ever believe an efficient compliance function is a prerequisite for good corporate governance that should restore trust, integrity, and responsibility in the banks, findings in academic research has confirmed mentioned above in many countries. Compliance is key facet of governance because it shows how actually bank meets corporate responsibilities. The new guidelines in September 2011 had been issued by European Banking Authority with more attention to the compliance function. Compliance is very complex function and covers different areas: Anti-money laundering, investment protection, consumer protection, data protection and etc. Compliance complexity arises from severa…
Oneri di sbilanciamento (diritto dell'energia)
2018
The article aims to explore to what extent consumers protection, as principle constitutionally guaranteed by art.38 of EU’s Charter of Fundamental Rights, should affect the rules governing the electricity dispatching service and the balancing system. On a market such as the electricity market, where demand is inflexible and the product concerned cannot be stored, electricity dispatching service is designed to ensure that, within the national transmission system, the supply of electricity matches demand, thereby guaranteeing security and continuity in the energy supply. Transparent market-based mechanisms for the supply and purchase of electricity needs to be combined with balancing measures…
¿Cómo afecta la innovación en la satisfacción y la lealtad hacia el establecimiento minorista?
2021
Resumen En el presente estudio, se examinó el concepto de innovación en el sector minorista y se definieron sus relaciones con otras variables, como la satisfacción y la lealtad, tradicionalmente vinculadas con el establecimiento minorista. Para lograr los objetivos planteados, se delimitó un modelo teórico sustentado en la literatura, que se contrastó mediante un estudio empírico utilizando un cuestionario estructurado ad hoc aplicado a una muestra de 510 clientes de establecimientos de alimentación. El análisis de los datos se desarrolló mediante la técnica de regresión por mínimos cuadrados parciales. Los resultados permiten proponer un conjunto de recomendaciones para la gestión, fundam…
RAPPRESENTANZA E DIRITTO EUROPEO
2011
Il lavoro propone una riflessione diretta a cogliere l'influenza che i dati "europei" offrono ad una ricostruzione della rappresentanza. In particolare si parte dalla questione relativa ad una possibile rilevanza del fenomeno rappresentativo nell'ambito dei rapporti c.d. consumeristici, interrogandosi sul se e come vi sia spazio in regole che hanno nella qualità delle parti il loro ambito di riferimento per un fenomeno di sostituzione, qual è la rappresentanza. Viene così analizzato il dibattito interno relativo al concetto di parte, così come emerge nella riflessione sul negozio rappresentativo, per poi esaminare la questione dall'angolo visuale del consumatore, alla luce di quella che app…
Insurance Supervisory Law and Consumer Protection
2015
This chapter discusses the relationship between insurance supervisory law and consumer protection within the ambit of Solvency II and the EIOPA system. To this, the article focuses on existing laws, with particular regard given to European rules on insurance supervision. The Solvency II Directive takes as its exclusive objective the protection of insureds and insurance beneficiaries. Solvency II does not address consumer protection. Nevertheless, consumer protection is a significant by-product of the Solvency II rules, in the sense of collective consumer protection. The EIOPA Regulation provisions, too, address consumer protection solely in the realm of collective consumer protection. The a…
L'inclusione finanziaria come strumento di cittadinanza degli immigrati
2021
La actual crisis económica, producto de la propagación del COVID-19, que provocó el bloqueo de cadenas productivas enteras, replantea dramáticamente el tema de la inclusión financiera de personas en condiciones de vulnerabilidad económica y social, como los inmigrantes. El fenómeno de la inclusión financiera de los inmigrantes, en general, tiene un carácter multidimensional, estando vinculado a factores sociales, culturales, lingüísticos y religiosos. La definición de inclusión financiera postula una definición previa de la otra cara de la moneda, que es la exclusión financiera, que tiene una estrecha relación con la exclusión social, siendo una la causa de la otra, en una especie de círcul…
Usurarian contracts. Current jurisprudencial perspective
2018
El objetivo de este trabajo es destacar las novedades presentadas por la Jurisprudencia sobre contratos usurarios celebrados entre las empresas bancarias y sus clientes. La coexistencia de la Ley de Usura con las regulaciones para la protección de los consumidores contra cláusulas abusivas no ha menoscabado la vigencia de ley, pero sus diferencias en cuanto a la declaración de nulidad generan incertidumbre, por lo que sería conveniente una mayor armonización. The objective of this work is to highlight the novelties presented by the Jurisprudence on usurious contracts concluded between banking companies and their clients. The coexistence of the Usury Law with the regulations for the protecti…