(re)defining consumer protection in the digital age€¦ · (re)defining consumer protection in the...
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(Re)defining consumer protection in the digital age
László Bak 2nd Hungarian Competition Law Forum 14 June 2017
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My views
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Fit for purpose
1. 2005 UCPD
2. 2016 Revised UCP Guidance Document
• National highlights issues how the UCPD applies to new and emerging business models, specifically in the online sector
3. 2017 REFIT
• the substantive rules set out in the Directives are capable of addressing the existing consumer problems
• UCPD principles are „future-proof”
• Possible improvements:
• Effective enforcement of rules required
• Strengthening individual remedies
• Raising awareness
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The „biggest lie” and the power shift
1. Consumers’ limited knowledge of their rights
2. Accelerated decisionmaking click-to-agree contracts
3. ‚Looking’ is not ‚reading’, ‚understanding’ = privacy by design?
4. FTC: notice component is a ‚fundamental principle’
5. Big data’s power shift
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Transactional decision – customer journey
Source: Crownpeak
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Commercial practise
„any act, omission, course of conduct or representation, commercial
communication including advertising and marketing, by a trader,
directly connected with the promotion, sale or supply of a product to
consumers” (Art. 2. (d))
1. Data-as-currency, services for ‚free’
2. Truth-in-advertising; labelling of marketing
3. Issues relating to price discrimination (personalised, dynamic,
behavioural)
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Conclusions
Targeted awareness-
raising activities
In-depth examination of
consumer attitudes Exploiting synergies
(dual competency
regimes)
Co-existence of
public and
private
enforcement
Enhanced cooperation
between the competition and
data protection authorities