European Union: Consumer Protection

Wanneer een werkgever geld leent aan een werknemer, lijkt dit een interne aangelegenheid. Maar wanneer kwalificeert zo'n lening als consumentenkrediet, en welke verplichtingen gelden er dan voor de werkgever? Het Hof Den Haag heeft recent uitspraak gedaan over een werkgever die de restschuld van een personeelslening probeerde te innen, met verrassende gevolgen.

Der Europäische Gerichtshof hat entschieden, dass Sollzinssätze bei Verbraucherkrediten nur auf den tatsächlich bereitgestellten Kreditbetrag angewendet werden dürfen – nicht auf mitfinanzierte Kreditkosten wie Versicherungsprämien oder Gebühren. Diese Klarstellung hat weitreichende Folgen für Kreditgeber in der gesamten EU, die ihre Produktgestaltung, Preislogik und Kundenunterlagen entsprechend anpassen müssen. Besonders betroffen sind Banken und Anbieter von

Austria has enacted significant reforms to consumer protection law, introducing stricter requirements for retail lending and distance contracts.

Belgium has transposed the EU's EmpCo Directive into national law, introducing stricter rules against greenwashing and misleading environmental claims. The new legislation expands the blacklist of unfair commercial practices and imposes additional pre-contractual information obligations on businesses. How will these changes impact companies making sustainability claims and selling products with digital elements?

Cyprus businesses face strict consumer protection obligations covering pricing transparency, withdrawal rights, unfair contract terms, and digital services. Non-compliance may trigger regulatory investigations, administrative fines, and reputational damage across e-commerce, marketing, and customer service operations.

Italy has implemented the EU's Empowering Consumers Directive, introducing strict new rules against greenwashing and misleading sustainability claims that will reshape how consumer products companies communicate environmental performance. The legislation expands prohibited commercial practices and establishes rigorous substantiation requirements for environmental claims, with significant penalties for non-compliance including fines up to EUR 10 million or 4% of annual turnover.

Με βάση τα στοιχεία που τηρούνται στα Επαρχιακά Γραφεία Εργασίας, ο αριθμός των εγγεγραμμένων ανέργων στο τέλος Ιουνίου 2026 ανήλθε σε 10.056 άτομα. Με βάση τα εποχικά διορθωμένα στοιχεία, τα οποία αποτυπώνου

As digital transformation accelerates and AI reshapes the workplace, young workers face mounting challenges in acquiring relevant skills and securing entry-level positions. This analysis examines how technological evolution, remote work dynamics, and AI-driven recruitment are creating new barriers for youth employment, while highlighting innovative government initiatives across Europe, North America, and Asia-Pacific that are helping bridge the digital skills gap.

Juvenile delinquency stems not from inherent criminality but from complex interactions between social, familial, educational, and environmental factors during child development. Understanding these root causes is essential for creating effective interventions that prioritize rehabilitation over punishment. Can preventive, child-centered approaches successfully address youth offending while promoting long-term social inclusion?

Le droit de rétractation est un outil de protection essentiel dans les contrats conclus hors établissement. Mais son point de départ varie selon la nature du contrat : prestation de service ou vente de bien

This privacy statement outlines how the organization handles cookies and user data collection through its digital platforms. It explains the consent mechanism for different categories of cookies, including analytics and targeting technologies that track user behavior and preferences.

June 2026 – As of 19 June 2026, EU Directive (EU) 2023/2673 (the “Directive”) requires all traders offering goods or services to consumers through online interfaces...