19 research outputs found

    Open finance and consumer protection: uneasy bedfellows

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    This article examines Open Finance and the risks that it poses for consumer protection. To exist, Open Finance needs enabling legislation. EU policy, as well as actual and proposed legislation, point to empowering consumers and give them control over their data. The traditional role of data in financial services markets is examined, as well as the transformative role of new data technologies to deliver new market structures. Drawing from the experience of Open Banking, the GDPR and the proposal for a Data Act this article questions to what extent the EU legal instruments are capable of delivering the goal, and consumers are factually empowered, remain in control of their data and are protected against the main risks of data-driven finance and the digital domain, where vulnerability is likely to be the norm. It shows how other jurisdictions such as the United Kingdom engage in a different approach to suggest a paradigm shift in the EU regulatory approach

    Human Rights and the Pink Tide in Latin America : Which Rights Matter?

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    Latin America witnessed the election of ‘new Left’ governments in the early 21 st century that, in different ways, sought to open a debate about alternatives to paradigms of neoliberal development. What has this meant for the way that human rights are understood and for patterns of human rights compliance? Using qualitative and quantitative evidence, this article discusses how human rights are imagined and the compliance records of new Left governments through the lens of the three ‘generations’ of human rights — political and civil, social and economic, and cultural and environmental rights. The authors draw in particular on evidence from Andean countries and the Southern Cone. While basic civil and individual liberties are still far from guaranteed, especially in the Andean region, new Left countries show better overall performances in relation to socio-economic rights compared to the past and to other Latin American countries. All new Left governments also demonstrate an increasing interest in ‘third generation’ (cultural and environmental) rights, though this is especially marked in the Andean Left. The authors discuss the tensions around interpretations and categories of human rights, reflect on the stagnation of first generation rights and note the difficulties associated with translating second and third generation rights into policy

    Trädgårdsföretagsregister 1995

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    Suomen virallinen tilasto (SVT

    Open Finance and Consumer Protection: uneasy bedfellows

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    European Commission: Jean Monnet Chair in Digital Market Law (E-DSM) E-DSM - 101047038 - GAP-101047038
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