Comportamento online do consumidor, formação financeira e sobreendividamento: primeiras reflexões sobre a Proposta de Diretiva relativa aos Créditos aos Consumidores COM/2021/347final

dc.contributor.authorRebelo, Fernanda
dc.contributor.authorPereira, Isa Pinto
dc.date.accessioned2023-01-06T16:35:31Z
dc.date.available2023-01-06T16:35:31Z
dc.date.issued2022-12-30
dc.description.abstractOn 30 June 2021, the European Commission proposed a new Directive on consumer credit (COM (2021) 347 final) which aims to modernise and strengthen, at European level, the protection of consumers who take out credits and which, if approved, will repeal the current Directive 2008/48/EC. Digitalisation has made it possible to disseminate new ways of acquiring credit, through online platforms, and has changed the way in which banks assess a consumer's creditworthiness, using automated decision-making systems and obtaining non-traditional data, both for obtaining credit and for purchasing goods or using services. The revision of the Directive is also the result of new developments brought about by the COVID-19 crisis. This article has the main objective of analysing the proposed Directive in relation to consumer behaviour in the digitalisation of retail financial services for the purpose of obtaining credit to purchase goods and services on the market. It also aims to assess whether, and to what extent, the solutions contemplated in the Proposal solve the issues of financial information (generally not easily understandable and of high technical complexity that the consumer clearly does not decipher) and consumer over-indebtedness. The problem is all the more pertinent since it is certain that both can compromise the objectives outlined for the development and consolidation of the internal market, above all in cross-border transactions. We conclude that this proposal will strengthen the legal protection of consumers in particularly difficult times, but that their vulnerability remains. Consumers sometimes adopt irresponsible online behaviour and are increasingly dependent on detailed and explained information from lenders. Some measures already result from the law in force and are enshrined in the proposal, but as they are insufficient and ineffective, it is recommended that they be strengthened in the new directive.pt_PT
dc.identifier.citationRebelo, F., & Pereira, I. P. (2022). Comportamento online do consumidor, formação financeira e sobreendividamento: primeiras reflexões sobre a Proposta de Diretiva relativa aos Créditos aos Consumidores COM/2021/347final. Revista Jurídica Portucalense, (32), 86-109. https://doi.org/10.34625/issn.2183-2705(32)2022.ic-04. Repositório Institucional UPT. http://hdl.handle.net/11328/4613pt_PT
dc.identifier.doihttps://doi.org/10.34625/issn.2183-2705(32)2022.ic-04pt_PT
dc.identifier.issn2183-5799 (Print)
dc.identifier.issn2183-5705 (Online)
dc.identifier.urihttp://hdl.handle.net/11328/4613
dc.language.isoporpt_PT
dc.peerreviewedyespt_PT
dc.publisherInstituto Jurídico Portucalense, Universidade Portucalensept_PT
dc.relation.publisherversionhttps://revistas.rcaap.pt/juridica/article/view/27495pt_PT
dc.rightsopen accesspt_PT
dc.rights.urihttp://creativecommons.org/licenses/by/4.0/pt_PT
dc.subjectComportamento online do consumidorpt_PT
dc.subjectProposta de diretiva relativa aos créditos aos consumidorespt_PT
dc.subjectCrise pandémicapt_PT
dc.subjectFormação financeirapt_PT
dc.subjectSobre-endividamentopt_PT
dc.titleComportamento online do consumidor, formação financeira e sobreendividamento: primeiras reflexões sobre a Proposta de Diretiva relativa aos Créditos aos Consumidores COM/2021/347finalpt_PT
dc.title.alternativeOnline consumer behaviour, financial education and over-indebtedness: first thoughts on the Proposal for a Directive on Consumer Credit COM/2021/347finalpt_PT
dc.typejournal articlept_PT
degois.publication.firstPage86pt_PT
degois.publication.issue32pt_PT
degois.publication.lastPage109pt_PT
degois.publication.titleRevista Jurídica Portucalensept_PT
dspace.entity.typePublicationen
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