European Review of Contract Law
Volume 5, Issue 3, August 2009
Simon Whittaker, Unfair Contract Terms and Consumer Guarantees: the Proposal for a Directive on Consumer Rights and the Significance of ‘Full Harmonisation’
Florian Möslein, Karl Riesenhuber, Contract Governance – A Draft Research Agenda
Martijn W. Hesselink, The Consumer Rights Directive and the CFR: two worlds apart?
Vincenzo Roppo, From Consumer Contracts to Asymmetric Contracts: a Trend in European Contract Law?
EC Legislation
Rossella Delfino, Stéphanie Pelet, European Community Legislation and Actions
Sectoral and National Developments
Assunção Cristas, Portuguese Contract Law: The search for regimes unification?
Christian Twigg-Flesner, Daniel Metcalfe, The proposed Consumer Rights Directive – less haste, more thought?
Books Received and Book Reviews
CE: Raportul anual privind politica
in domeniul concurentei pe anul 2008
Raportul anual privind politica în domeniul concurenței conține pentru prima dată un capitol referitor la un subiect considerat a avea o importanță deosebită în acest domeniu. Subiectul ales pentru acest an este „Carteluri și consumatori”.
Despre ce este vorba? Credem ca e de interes; ea suna astfel: Comunicare referitoare la o metoda armonizata de clasificare a reclamatiilor & cererilor consumatorilor si de comunicare a datelor aferente acestora [EN].
Documentul de lucru insotitor [EN]
Alina Oprea, Arbitraj si drept comunitar al consumului – cateva observatii referitoare la concilierea dintre cele doua domenii plecand de la decizia Curtii Europene de Justitie in cauza Centro Movil, Revista Romana de Arbitraj, nr. 3 din 2009
C-168/05, Mostaza Claro, hotararea din 26.10.2006, Rec.2006,p.I-10421. {*}
Concluziile AG A. Tizzano. [*]
Green Paper on Consumer Collective Redress – Response [*]
Volumul este “transcrierea” unei conferinte.
John Ahern and William Binchy (eds.), The Rome II Regulation on the Law Applicable to Non-Contractual Obligations. A New International Litigation Regime, Brill, 2009. [*]
Introduction: Rome
Johan Meeusen, Rome
Janeen Carruthers, Has the Forum Lost Its Grip?
Russell J. Weintraub, Rome II: Will it Prevent Forum Shopping and Take Account of the Consequences of Choice of Law?
Andrew Scott, The Scope of ‘Non-Contractual Obligations’
Richard Fentiman, The Significance of Close Connection
Thomas Kadner Graziano, Freedom to Choose the Applicable Law in Tort – Articles 14 and 4(3) of the Rome II Regulation
Alex Mills, The Application of Multiple Laws Under the Rome II Regulation
Jan von Hein, Article 4 and Traffic Accidents
Peter Stone, Product Liability under the Rome II Regulation
Adam Rushworth, Remedies and the Rome II Regulation
Michael Bogdan, The Treatment of Environmental Damage in Regulation Rome II
Stephen G.A. Pitel, Rome II and Choice of Law for Unjust Enrichment
Liz Heffernan, Rome II: Implications for Irish Tort Litigation
Gernot Biehler, The Limits of Rome II
Appendices
- Regulation No. 864/2007 on the Law Applicable to Non-Contractual Obligations (Rome II)
- Commission of the European Communities Proposal for a Regulation on the Law Applicable to Non-Contractual Obligations, COM (2003) 427 fi nal 2003/0168 (COD)
- Opinion of the European Economic and Social Committee on the Proposal for a Regulation on the Law Applicable to Non-Contractual Obligations, COM (2003) 427 final 2003/0168 (COD), 2004/C 241/01
- European Parliament Committee on Legal Aff airs, Report on the proposal for a regulation of the European Parliament and of the Council on the law applicable to non-contractual obligations (“Rome II”) (COM(2003)0427–C5 0338/2003–2003/0168(COD)), A6–0211/2005
- Amended Proposal for a European Parliament and Council Regulation on the Law Applicable to Non-Contractual Obligations, COM 2006 83 final
- European Parliament Recommendation for Second Reading on the Council common position for adopting a regulation of the European Parliament and of the Council on the Law Applicable to Non-Contractual Obligations, 9751/7/2006–C6–0317/2006–2003/0168(COD)
- Joint text approved by the Conciliation Committee of a Regulation on the Law Applicable to Non-Contractual Obligations, 2003/0168(COD) C6–0142/2007 PE-CONS3619/07
Should micro-businesses be treated like consumers for the purposes of pre-contractual information and unfair terms?
Law Commission. aici EN.
Comisia a deschis o procedură privind încălcarea legislatiei comunitare împotriva Regatului Unit după o serie de plângeri din partea utilizatorilor britanici de internet si după un intens schimb de comunicări cu autoritătile britanice cu privire la folosirea „Phorm”, o tehnologie de publicitate comportamentală, de către furnizorii de servicii internet. Procedura abordează mai multe probleme legate de modul în care Regatul Unit aplică normele UE privind intimitatea online si protectia datelor cu caracter personal. Conform acestor norme, tările UE au obligatia să asigure, printre altele, confidenzialitatea comunicatiilor, interzicând interceptarea si supravegherea acestora fără acordul utilizatorului. Problemele au iesit la iveală în cursul unei anchete a Comisiei asupra măsurilor luate de autoritătile britanice ca răspuns la plângerile utilizatorilor de internet în legătură cu Phorm.
Comunicatul Comsiei *
Report on cross-border e-commerce in the EU – disponibil aici. [EN]
In cauza C-541/99, prin hotararea din 22 noiembrie 2001, CJCE considera ca este “consumator” numai persona fizica, nu si persona juridica.
Can States Tax National Banks to Educate Consumers About Predatory Lending Practices?
Howell E. Jackson, Harvard Law School
Stacy A. Anderson
ABSTRACT:
Over the past quarter century, consumer lending markets in the United States have become increasingly national in scope with large national banks and other federally chartered institutions playing an ever important role in many sectors, including credit card lending and home mortgages. At the same time, a series of court decisions have ruled that a wide range of state laws regulating credit card abuses and predatory mortgage lending practices are preempted at least as applied to national banks and other federally chartered institutions. Given the dominant role of federal institutions in our country’s lending markets, these rulings have narrowed the capacity of states to police local lending transactions. As an alternative to direct regulation, the California Assembly recently considered legislation designed to improve consumer understanding of financial transactions through educational efforts to be financed by a new state tax on income from certain problematic loans made to California residents by financial institutions, including national banks and other federally chartered institutions. In this Article, we consider whether a tax of the sort proposed in California could survive a preemption challenge under recent court rulings as well as other potential constitutional attacks. While the States have quite limited powers to regulate federally chartered financial institutions, Congress in 12 U.S.C. § 548 explicitly authorizes states to tax national banks. We explore the scope of state taxing authority that § 548 and the relationship between that authority and recent preemption rulings After reviewing a range of legal precedents, we conclude that a state tax of the sort considered in California—which impose modest levies on federally chartered entities but do not prevent these from engaging in otherwise authorized activities—should qualify as a legitimate exercise of state taxing powers under 12 U.S.C. § 548 and also should withstand scrutiny under the Due Process and Commerce Clauses to the extent the tax is imposed on out-of-state banks.
Aici (*).
PAPERS
Angela K. Littwin, “Beyond Usury: A Study of Credit Card Use and Preference Among Low-Income Consumers” (December 17, 2007) Download the Paper
Angela K. Littwin, “Comparing Credit Cards: An Empirical Examination of Borrowing Preferences Among Low-Income Consumers” (December 17, 2007) Download the Paper
Aditi Prabhu, “Contracting for Financial Privacy: The Rights of Banks and Customers Under the Reauthorized Patriot Act” (November 10, 2007) Download the Paper
Oren Bar-Gill, “Informing Consumers About Themselves” (August 1, 2007) Download the Paper
Richard A. Epstein and Oren Bar-Gill, “Consumer Contracts: Behavioral Economics vs. Neoclassical Economics” (April 25, 2007) Download the Paper
Kathleen C. Engel and Patricia A. McCoy, “Turning a Blind Eye: Wall Street Finance of Predatory Lending” (March 19, 2007) Download the Paper
Adam J. Levitin, “Priceless? The Competitive Costs of Credit Card Merchant Restraints” (February 1, 2007) Download the Paper
Michael J. Fluhr, “Unraveled: The Failure of Products Liability Markets” (December 6, 2006) Download the Paper
James Q. Whitman, “Consumerism versus Producerism: On the Global Menace of ‘Consumerism’ and the Mission of Comparative Law” (August 22, 2006) Download the Paper
Jason S. Johnston, “The Return of Bargain: An Economic Theory of How Standard Form Contracts Negotiation between Businesses and Consumers” (October 1, 2005) Download the Paper
Rezultatul procesului la TPI a fost oarecum pevizibil. Comisia a aplicat corect sanctiunea amenzii.
Gasiti hotararea aici.
Un rezumat gasiti pe ECJBlog, si o prezentare cu trimitere la documentele aferente si declaratii pe EurActiv.com.
Bibliografia:
Pierre Arhel, L’affaire Microsoft (À propos de la décision du TPICE du 17 septembre 2007), Petites Affiches, nr. 233/2007.
L’arrêt Microsoft du 17 septembre 2007 est sans doute l’un des plus importants rendus par le Tribunal de première instance en matière de concurrence. Sur le fond, il approuve entièrement la décision de la Commission ayant condamné l’entreprise pour deux comportements distincts à savoir le refus de fournir les informations relatives à l’interopérabilité du système d’exploitation Windows avec des produits concurrents et la vente liée du système d’exploitation Windows et de Windows Media Player. Il annule cependant la décision en ce qu’elle a ordonné la désignation d’un mandataire indépendant chargé d’évaluer et de vérifier la mise en oeuvre par Microsoft des mesures correctives ordonnées par la Commission.
Thomas O. Barnett, Interoperability Between Antitrust And Intellectual Property, George Mason Law Review, Volume 14, Number 4, Summer 2007
Ugo Patroni Griffi, Alfonso Papa Malatesta, L’interoperabilità del software: una essential facility? Implicazioni del “caso Microsoft”, Studi in onore di Gerhard Schricker, Giuffre Editore, 2005, p.469-507.
Jean-Claude Zarka, Microsoft et la justice européenne, Gazette du Palais, nr. 127/2007.
Harry First, Strong Spine, Weak Underbelly: The CFI Microsoft Decision, New York University School of Law. New York University Law and Economics Working Papers, April 23, 2008, Paper 129.
On September 17, 2007, the European Court of First Instance decided Microsoft’s appeal of the European Commission’s 2004 decision finding that Microsoft had violated Article 82 of the EC Treaty by failing to provide certain interoperability information to Sun Microsystems and by refusing to dis-integrate Windows and the Windows Media Player. In this short comment I review the CFI’s decision, focusing on three ways in which the decision properly stiffens the strong spine of European competition law – its treatment of intellectual property, tying, and leveraging. The comment also discusses the EC’s remedy orders in Microsoft, which I argue reveal the soft underbelly of European competition law, a soft underbelly that the European Microsoft case shares with the U.S. Microsoft settlement.
T.T. Nguyen, Competition Rules in the TRIPS Agreement – The CFI’s Ruling in Microsoft v. Commission and Implications for Developing Countries, International Review of Intellectual Property and Competition Law (Germany, Volume 39, Number 5, 2008 [*]
The ruling of the European Court of First Instance (CFI) in Microsoft v. Commission[1] in 2007 was a pivotal judgment in the area of interaction between competition law and intellectual property rights (IPRs). It has been, and continues to be, a subject of many controversial discussions from both legal and economic perspectives not only in the European Union (EU) but also all over the world. It also illustrated that the application of IPR-related competition law is a complex and controversial issue in both developed and developing countries. One can say that, in this legal process, competition authorities in developing countries face even greater and more serious problems. Developing countries, therefore, rarely use flexibilities concerning competition rules under the Agreement on Trade-Related Aspects of Intellectual Property Rights (TRIPS) of the World Trade Organization (WTO)[2] to address IPR-related anti-competitive practices in reality.
[1] CFI, Case T-201/04, Microsoft v. Commission, 17 September 2007, 39 IIC (2008), http://curia.europa.eu/en/
[2] The TRIPS Agreement is Annex 1C of the Marrakesh Agreement Establishing the WTO signed in Marrakesh, Morocco on 15 April 1994, www.wto.org/english/tratop_e/trips_e/t_agm0_e.htm
Martine Behar-Touchais, «Etre interopérable ou ne pas être: telle est la question!», au sujet de l’arrêt Microsoft du Tribunal de première instance des Communautés européennes du 17 septembre 2007, aff. T-201/04, in Communication, commerce électronique, mars 2008, no 3, p. 8-12. [*]
Christian Ahlborn, David S. Evans, The Microsoft Judgment and its Implications for Competition Policy Towards Dominant Firms in Europe(April 2008).
Abstract SSRN:
The European Court of First Instance (CFI) rejected Microsoft’s grounds for annulling the Commission’s Decision that the software maker had abused its dominant position in computer operating systems by refusing to supply certain protocols for interoperating with rivals’ computers and by tying Windows Media Player to its Windows operating system. This article argues that the Court’s judgment continues the form-based approach it has followed for four decades to abuse of dominance cases and is inconsistent with the Court’s emphasis on coherent economic reasoning in merger clearance reviews, thereby reinforcing a divide between these two critical parts of European competition policy. The CFI’s approach also continues its historical adherence to focusing on market structure and putting aside direct evidence of adverse effects on consumer welfare. In particular, the CFI did not embrace parts of the Commission’s Decision against Microsoft that advocated an effects-based approach. At the same time the CFI’s judgment expands the possibilities for finding an abuse of dominance by weakening key prongs of the Bronner/Magill/IMS exceptional circumstances test for refusal to supply and adopts a separate products test for tying that has illogical implications for many standard cases.
William H. Page, Seldon J.Childers, Bargaining in the Shadow of the European Microsoft Decision: The Microsoft-Samba Protocol License(May 2008). Northwestern University Law Review Colloquy, Vol. 102, No. p. 332, 2008. Available at SSRN: http://ssrn.com/abstract=1117641
Abstract:
In 2004, the European Commission held that Microsoft had abused its dominant position under Article 82 of the European Treaty by, among other actions, refusing Sun Microsystems’ request for information Sun needed to interoperate with Windows workgroup server products. The EC ordered Microsoft to disclose complete and accurate specifications for the protocols used by Windows work group servers in order to provide file, print, and group and user administration services to Windows work group networks. In September 2007, the European Court of First Instance affirmed the EC’s liability ruling and its remedial order. Last December, with the active encouragement of the EC, Microsoft reached a licensing agreement for the covered protocols with Samba, an open-source development project that produces server software that emulates the behavior of Microsoft’s server operating systems. The Microsoft-Samba license agreement is by far the most important tangible outcome of the European Microsoft case. The EC’s other remedial order in the case, which required Microsoft to create a version of Windows without Windows Media Player, was an embarrassing failure. The Samba agreement, however, is both significant and perilous for global antitrust policy. It provides critical protocols and documentation to Microsoft’s most important rival in the server market, a rival, moreover, whose development methods are focused on the analysis of those very protocols. Samba is thus more likely to put the disclosures to effective competitive use than any other licensee. It is also possible that Microsoft will derive technical and competitive benefits from the interaction with the Samba team. The long-run peril is that the disclosures will go beyond the specifications that the CFI contemplated, and will allow Samba to clone Microsoft’s proprietary algorithms. That result, although reducing prices in the short run, would inhibit dynamic competition by undermining the incentives of leading firms to innovate.
Nicholas Economides, Ioannis Lianos, The Elusive Antitrust Standard on Bundling in Europe and in the United States at the Aftermath of the Microsoft Cases (*)
Abstract:
We analyze and contrast the US and EU antitrust standards on mixed bundling and tying. We apply our analysis to the US and EU cases against Microsoft on the issue of tying new products (Internet Explorer in the US, and Windows Media Player in the EU) with Windows as well as to cases brought in Europe and in the United States on bundling discounts. We conclude that there are differences between the EC and US antitrust law on the choice of the relevant analogy for bundled rebates (predatory price standard or foreclosure standard) and the implementation of the distinct product and coercion test for tying practices. The second important difference between the two jurisdictions concerns the interpretation of the requirement of anticompetitive foreclosure. It seems to us that in Europe, consumer detriment is found easily and it is not always a requirement for the application of Article 82, or at least that the standard of proof of a consumer detriment for tying cases is lower than in the US.
Societatile comerciale americane vor trebui sa-si adapteze bazele de date cu clienti pentru eventualele modificari ale contractelor. Clientii trebuie in mod obligatoriu anuntati, insa instanta nu a precizat care sunt modalitatile care pot fi utilizate pentru notificarea clientilor.
Un comentariu la decizia Douglas v .U.S. District Court gasiti aici.