To save content items to your account,
please confirm that you agree to abide by our usage policies.
If this is the first time you use this feature, you will be asked to authorise Cambridge Core to connect with your account.
Find out more about saving content to .
To save content items to your Kindle, first ensure no-reply@cambridge.org
is added to your Approved Personal Document E-mail List under your Personal Document Settings
on the Manage Your Content and Devices page of your Amazon account. Then enter the ‘name’ part
of your Kindle email address below.
Find out more about saving to your Kindle.
Note you can select to save to either the @free.kindle.com or @kindle.com variations.
‘@free.kindle.com’ emails are free but can only be saved to your device when it is connected to wi-fi.
‘@kindle.com’ emails can be delivered even when you are not connected to wi-fi, but note that service fees apply.
The European Law Institute’s Guiding Principles and Model Rules on Digital Assistants for Consumer Contracts (DACC) propose a right for consumers to use digital assistants in business-to-consumer relations. The DACC’s definition encompasses consumer AI agents (CAIAs), which use AI-generated outputs to determine transactionally relevant matters left open by consumers and initiate or perform transactional actions. The article examines two concerns. First, recognition and safeguards may create a regulatory safety halo, causing consumers to overestimate CAIAs’ technical reliability and the effectiveness of remedies for unwanted outcomes. Second, recognition may accelerate agentic markets, disproportionately benefit incumbents in adjacent digital markets, and foster concentration, to which the DMA and EU competition law provide only partial responses. Legislation should therefore first establish essential rules governing delegation, responsibility and market contestability. Technical implementation may be entrusted to European standardisation bodies, but the Commission’s request should define tasks precisely and maximise transparency and balanced stakeholder participation to mitigate legitimacy concerns. Only once CAIAs are sufficiently reliable and the legal framework more mature should the right to use a CAIA be recognised.
This chapter examines how commercial firms like the Belgian grocer Delhaize did not initially respond to the Single Market Program in the mid-1980s, but they did mobilize swiftly in the late 1980s to prepare for the "threat" of the new business and regulatory environment of an integrated regional market governed by social and environmental protections. Together with other food retailers, Delhaize formed sectoral clubs and associations to defend its interests: Buying clubs collectivized price negotiating power against producer consolidation and protected profit margins, while interest associations brought distributors and retailers together to influence European policymaking. At the same time, Delhaize and other commercial firms saw in the opening of Eastern Europe a profitable business opportunity, and they expanded quickly into the markets of Poland, Hungary, and the new Czech Republic in the early 1990s. As a result, the case of Delhaize gives us purchase on the complexity of business responses to market integration and demonstrates the diverse paths to regionalization for and against the Single Market.
Clinicians and consumers have long been interested in using purpose-built chatbots to provide mental health support. Specifically designed therapy chatbots are now available direct-to-consumer, even though researchers have yet to establish their efficacy, safety and viability. However, whatever their clinical merits or limitations, the role for specialised therapy chatbots has been overshadowed by the increasing number of people using AI companions and general-purpose generative AI for mental health support. Reports have implicated these offerings in instances of user self-harm, prompting calls for more robust regulation across the entire field. This Element examines the opportunities, risks and legal landscape of AI for direct-to-consumer mental health support and considers a response of distributed regulatory networks. This approach abandons any pretence of a single body of law providing an effective and palatable response for concerns raised by therapy chatbots and the challenges posed by evolving technologies operating in sensitive domains.
This Article presents original empirical research examining how consumers interpret dietary supplement label claims. Through a controlled experiment with a nationally representative sample, we test the Dietary Supplement Health and Education Act’s core assumption — that consumers derive different meanings from various claim types. Our findings reveal a fundamental disconnect: while consumers clearly distinguish disease claims and nutrient content claims, they interpret structure/function claims and health claims as equivalent, despite their vastly different regulatory treatment. These results challenge the regulatory logic of the current four-tiered system and raise significant consumer protection concerns. We propose reforms including consolidating structure/function and health claims into a single category with uniform substantiation requirements, implementing consumer-tested disclosures, and strengthening oversight mechanisms. Without such reforms, dietary supplement regulations will continue to provide only the illusion of consumer protection.
This chapter analyzes the marketing of upcycled products from a perspective of European and German unfair competition law. As part of the sustainability trend, some traders use upcycled products to enhance their image or develop new business models. Marketing such products must not only comply with trademark law but also with unfair competition law rules. Under Articles 6, 7 UCP Directive, traders must not mislead consumers about a product’s commercial origin. When upcycling involves third-party products, consumers might wrongly assume the upcycled items come from the original producer, especially when both operate in similar markets. Clear information is therefore required to prevent confusion. If traders reference the original products in their advertising, the rules on comparative advertising under MCA Directive may apply, since even broadly interchangeable goods, like wine bottles upcycled into vases, can qualify as competitors. Additionally, German unfair competition law may restrict practices that exploit another trader’s reputation. For instance, using luxury goods to create everyday items could unlawfully damage the reputation of the original brand.
On 31 August 2024, tickets for the Oasis reunion tour went on sale. The outcome was predictable. Prospective purchasers waited online for hours to buy tickets, many were disappointed. Tickets soon appeared on secondary sites at prices which greatly exceeded originally advertised prices. The resulting outcries fed into the new Government’s manifesto promise to ‘put fans back at the heart of events by introducing new consumer protections on ticket resales’. The best solutions to address the popular concerns are: (1) to improve the allocation of tickets in the primary market; and (2) add a greater degree of consumer protection to reduce information asymmetry in the primary market. The former reform requires no regulatory intervention. As a second-best solution I suggest rethinking regulation of the secondary market, as most of the current and proposed regulatory efforts in this market are either unworkable or exacerbate fan frustration. Regulatory interventions on basis of ‘fairness’ or ‘putting fans first’ exacerbate these market failures. The source of the problem is market failure in the primary market, and it is towards this that regulatory effort should be directed. Intervention in the form of secondary market price caps will undermine efforts to protect fans.
The study is one of the first in its field to be grounded in extensive, original qualitative data on the lived experiences of senior managers in financial firms. Its principal aim is to construct a comprehensive, empirically-based typology of culture in finance, drawing on findings from 29 semi-structured interviews with current and former senior managers in UK financial firms and regulatory personnel. The study employs a rigorous participant selection and thematic analysis process that reflects the diverse array of financial firms, sectors, roles and perspectives on culture. It does so by applying appropriate theoretical frameworks on organisational culture to unearth the nuances and typology of culture in the UK finance industry. Our findings indicate that financial firms are in a state of transition between two distinct types of culture, from an old and heavily criticised archetype (which still holds sway) towards a not yet fully realised vision of a new transformed culture. Beyond its theoretical interest, our analysis reveals ways to improve culture in finance and provides recommendations for the development of financial regulation and broader policymaking, aiming for a whole-hearted shift from principles-based regulation to outcomes-based regulation.
It has been widely recognised in the legal as well as law and economics literature that both regulatory and private enforcement are needed to ensure the effectiveness of market regulation in general and EU private law in particular. This chapter unpacks the interplay between these two enforcement mechanisms, focusing on three major issues that arise in practice: the disclosure of evidence gathered by regulatory agencies, the limitation periods for private enforcement actions, and the combined application of administrative sanctions and private law remedies. The chapter constructs three models of the relationship between public and private enforcement – separation, substitution, and complementarity – and explains their main characteristics, manifestations, and implications. It also assesses the potential of each model to strike the right balance between deterrence in the name of the public interest and compensation in the name of interpersonal justice, as well as between uniformity and diversity in regulatory and private enforcement, and draws out some of the practical implications of this analysis for EU private lawmaking and enforcement.
Experimental legal regimes, notably regulatory sandboxes, seek to promote technological innovation while at the same time ensuring consumer protection against unsafe or unsuitable products and services. But in doing so, they may not always be able to prevent harm to consumers. This chapter explores the relationship between regulatory sandboxes and private law. Given that within such sandboxes the participating firms may benefit from regulatory relief, it considers whether, and, if so, to what extent traditional private law nevertheless remains and should remain applicable to their activities during the experiment. It develops three models of the relationship between regulatory sandboxes and private law – separation, substitution, and complementarity – and considers their key characteristics, manifestations, and implications in the context of European private law. The chapter reveals the tension between, on the one hand, fostering technology-enabled innovation, legal certainty, and uniformity and, on the other hand, realising interpersonal justice and individual fairness while leaving room for diversity. It also assesses each model in terms of its potential to reconcile these competing considerations and draws lessons from this assessment for EU and national legislators and courts.
Nuancing the conventional wisdom that informal economic activities endure by marginalizing, circumventing, or colluding with the law, we use original court data from China to reveal a counterintuitive mechanism: informal finance can endure through formal litigation. Drawing on 66,843 judicial decisions, case studies of seven top-filers, and interviews, we examine how sophisticated moneylenders, inactive debtors, and embedded courts collectively helped sustain unlicensed moneylending in China before 2020. Moneylenders—whether operating through Fintech or offline channels—leverage superior legal resources to enforce semilegal debts. Debtors facing moneylenders suffer from serious hurdles in accessing justice, especially lacking professional legal help that could potentially change case outcomes. Courts, despite concerns over debtor protection, largely tolerate the semilegal lending in alignment with the pre 2020 regulatory environment that valued the expansion of private financing, particularly through Fintech. Beyond China and the financial market, this litigation-endured mechanism of informal economy reflects a pattern in high-volume civil dockets where litigation is strategically used to bypass regulation, which has contributed to access-to-justice crises in other jurisdictions, including the USA. Theorizing these dynamics raises pressing questions about the institutional role of courts in either sustaining or remedying welfare pathologies, and in shaping a just society.
Case C-646/22 Compass Banca SpA v Autorità Garante della Concorrenza e del Mercato (AGCM) Judgment of the Court (Fifth Chamber) of 14 November 2024.
In Compass Banca, the CJEU was asked by the referring Italian court if the concept of the average consumer should extend beyond the traditional notion of homo economicus in light of growing awareness of bounded rationality and the risk of cognitive influence in modern market dynamics. The case was eagerly awaited amid increasingly scholarly criticism of the average consumer concept, particularly in digital contexts, where the model of a rational, informed decision-maker would often fail to account for power imbalances embedded in digital architectures. Whereas the court did not fundamentally alter the benchmark, it added a cautious clarification, acknowledging that cognitive biases may constitute one of many constraints impairing the average consumer’s decision-making capacity. However, the influence of cognitive biases alone on the decision-making capacity would be insufficient to render a commercial practice unfair unless it is ‘duly established’ that ‘in the particular circumstances of a specific situation’, the average consumer’s behaviour has been materially distorted.
The chapter examines internet addiction as a threat to human rights. Medical research indicates that excessive internet use can lead to mental and physical health issues, behavioural risks, and impaired functioning. Specific features of the internet, such as ease of access and anonymity, may contribute to addiction. Although only a minority develop this addiction, vulnerable groups, especially children and those with pre-existing mental health conditions, are at higher risk. Law and policy responses include public health approaches, consumer protection, and initiatives to protect vulnerable groups. The right to disconnect is emerging as a potential solution, particularly in work contexts, but its effectiveness in addressing internet addiction is limited. International human rights law provides a framework for addressing internet addiction, but specific interpretations are still developing. Multidisciplinary approaches integrating mental health research with legal analysis are crucial for developing effective responses.
Dark patterns are the subject of a surge of regulatory interest in the EU. Much new legislation in the areas of consumer law, data protection and competition law include provisions on dark patterns. Businesses use dark patterns to increase their revenue at the expense of consumers who purchase products they may not need, spend more time or give up more personal data than they would otherwise. Instead of focusing on the more normative issue of when dark patterns should be considered harmful, the chapter compares the different legal frameworks applicable to these practices and asks to what extent the increasingly fragmented EU regulatory landscape can offer effective overall protection against dark patterns. While useful complementarities may arise when parallel sets of rules target different concerns or protect different values, there are also risks of inconsistencies that may lead to either under- or overenforcement due to the fragmentation of the overall regulatory framework. The chapter submits that three needs result from the state of play and offers suggestions to improve the enforcement against dark patterns based on the current EU regulatory framework.
Use Case 2 in Chapter 5 examines the regulation of MDTs in the context of commercial advertising under the General Data Protection Regulation (GDPR), the Unfair Commercial Practices Directive (UCPD), and the Audiovisual Media Services Directive (AVSMD). An analysis under the Digital Services Act (DSA) and the Artificial Intelligence Act (AIA) will follow in Chapter 6, alongside a use case focused on political advertising. In the realm of commercial advertising, MDTs intensify long-standing concerns from consumer perspectives. The UCPD serves as a crucial reference point for related laws. Including the processing and inference of mind data in the blacklist outlined in Annex I of the UCPD would have significant implications, akin to the proposed introduction of a sui generis special category of mind data within the GDPR. Importantly, a blanket ban on the processing and inference of mind data for commercial practices under Annex I UCPD would automatically prohibit these practices under the DSA.
Beer affects the law, and the law affects beer. The regulation of beer goes back thousands of years, and beer laws have shaped society in both obvious and unexpected ways. Beer Law provides a fun and accessible account of the complex interaction between law and beer. The book engages with a broad range of beer law topics including:Health,Intellectual property,Consumer protection and unfair competition,Contract,Competition,International trade,Environment,Tax.The book also provides a detailed description of beer, brewing, beer as a product, and the brewing industry, as well as an overview of some broad lessons from the regulation of beer. Given the importance of understanding law in context, the book also explores beer, beer culture and beer laws in more detail with a focus on Belgium, the Czech Republic, Germany, the Nordic countries, North America, and Britain and Ireland.
Over the past fifteen years, there has been a growing interest in altering legal rules to redistribute wealth, with many scholars believing that neoclassical economic theory is biased against redistribution. Yet a growing number of progressive scholars are pushing back against this view. Toward an Inframarginal Revolution offers a fresh perspective on the redistribution of wealth by legal scholars who argue that the neoclassical concept of the gains from trade provides broad latitude for redistribution that will not harm efficiency. They show how policymakers can redistribute wealth via taxation, price regulation, antitrust, consumer law, and contract law by focusing on the prices at which inframarginal units of production change hands. Progressive and eye-opening, this volume uses conservative economic concepts to make a compelling case for radically redistributing wealth. This title is part of the Flip it Open Programme and may also be available open access. Check our website Cambridge Core for details.
This article examines the evolution of insurance contract law reforms, focusing on the shift towards a more policyholder-friendly approach to disclosure duties in some Civil Law and Common Law countries. Traditionally, insurance law favoured insurers, but recent reforms have increasingly prioritised consumer protection by adopting inquiry-based disclosure and restricting insurers’ rights to void contracts for non-disclosure. Through a comparative analysis, this article examines the alignment between Germany and the UK in reforming disclosure duties, which has driven a broader movement towards policyholder protection. Influenced by these developments, legal reforms in various jurisdictions have enhanced transparency and fairness by reducing policyholders’ disclosure burdens while increasing insurers’ responsibilities. As the insurance landscape evolves, ongoing legal reforms must prioritise policyholder protection, addressing emerging challenges from digitalisation and technological innovation, with this shift towards policyholders set to become the leading force in shaping a more equitable, consumer-centric regulatory framework.
This introduction to the book begins with a narrative of the prevalence of gun violence in the United States and the trafficking of gun violence into Mexico and Latin America. It canvasses the current statistics of gun-related murders, suicides, mass shootings, and school shootings compiled by the CDC, the Pew Research Institute, Bureau of Alcohol, Tobacco, Firearms and Explosives, the Giffords Center, and other agencies collecting gun violence data. The introduction sets forth the themes of the book, including locating the landscape of firearms litigation in the history of mass tort litigation, the ineffectiveness of various gun regulatory initiatives, the historical immunity of the firearms industry from liability for gun harms, and the recent inroads on the ability to sue firearms defendants through the enactment of targeted consumer protection and public nuisance firearms accountability statutes. The introduction suggests the argument that the 1998 Tobacco Master Settlement Agreement demonstrated that impervious, dangerous product industries could finally be held accountable, and that the Sandy Hook Elementary School litigation marked a pivotal point in opening a pathway toward suing the firearms industry and holding it accountable for gun harms.
The Court of Justice of the European Union (CJEU) ruled that health claims relating to botanical substances cannot be used in commercial advertising without prior authorisation, even during the prolonged suspension of the European Commission’s evaluation process. In Case C-386/23, Novel Nutriology, the Court clarified that Article 10(1) and (3) of Regulation (EC) No 1924/2006 (Nutrition and Health Claims Regulation, NHCR) maintains its prohibition on unauthorised health claims regardless of administrative delays in the assessment process. The judgment provides guidance for food business operators marketing botanical products and highlights ongoing regulatory challenges in balancing consumer protection with commercial interests. This case note examines the Court’s reasoning, situates the decision within broader CJEU case law, and explores potential regulatory reforms to address the persistent impasse surrounding botanical health claims in European Union (EU) food law.
Regulation (EC) No 1924/2006 of the European Parliament and of the Council of 20 December 2006 on nutrition and health claims made on foods, OJ L 404, 30.12.2006, pp. 9–25
This chapter explores the intricate relationship between consumer protection and GenAI. Prominent tools like Bing Chat, ChatGPT4.0, Google’s Gemini (formerly known as Bard), OpenAI’s DALL·E, and Snapchat’s AI chatbot are widely recognized, and they dominate the generative AI landscape. However, numerous smaller, unbranded GenAI tools are embedded within major platforms, often going unrecognized by consumers as AI-driven technology. In particular, the focus of this chapter is the phenomenon of algorithmic consumers, whose interactions with digital tools, including GenAI, have become increasingly dynamic, engaging, and personalized. Indeed, the rise of algorithmic consumers marks a pivotal shift in consumer behaviour, which is now characterized by heightened levels of interactivity and customization.