The Revision of the Insurance Mediation Rules at EU Level and its Impact on Consumer Protection

The European Commission has put forward a new proposal for a directive on insurance mediation which should provide for significant changes in practices of selling insurance products and guarantee enhanced level of consumer protection. This proposal accompanies other regulatory initiatives in the insurance sector, all of them pursuing three main objectives: firstly, a strengthened insurance supervision with convergent supervisory standards at EU level; secondly, a better risk management of insurance companies; and thirdly a greater protection of policyholders. All these initiatives contribute to the EU programme on consumer protection and herald a new approach to EU insurance regulation and supervision. However, while the new supervisory rules are a direct response to the financial crisis and shortcomings of crossborder cooperation between national supervisors, the plans for the revision of insurance mediation rules were conceived much earlier due to scandals with mis-selling of insurance products in the United States and some EU Member States. This article will focus entirely on the Commission’s initiative in the consumer mediation area and the aspects of insurance supervision and risk management will be dealt with in separate articles.

A Life Cycle Approach to Investor Protection. ECMI Working Paper No. 1/September 2014

The market for investment products, including both securities and investment funds, is fraught with difficulties for consumers in terms of the ease of comparing products, trust in suppliers and consumer satisfaction. A comprehensive approach to investor protection, developed around the lifecycle of a financial product, may offer the investor greater protection during an investment’s life span. This paper proposes a new approach to investor protection, building on a review of major market failures affecting the origination, distribution and sale of financial products and based on a review of the relevant scientific literature and country experiences. The application of a ‘know-your-product’ principle at origination, a narrower ‘default rule’ for best execution and an ex-ante distinction between advice and ‘information-only’ services are among the options discussed in this paper to enhance the investor protection framework over the lifecycle of a financial product.

Guidance for the reregistration of pesticide products containing pendimethalin (108501) /

"CAS: 40487-42-1."

Guidance for the reregistration of pesticide products containing as the active ingredient lindane : case no. 0315 /

"EPA RS-85-027"--Cover.

Recovery of by-products from animal wastes : a literature review /

Mode of access: Internet.

Economic impact report for proposed regulations, coil coating segment of machinery and mechanical products point source category /

"December 10, 1980."

Running a conference as a clean product International Conference on Pollution Prevention, Clean Technologies and Clean Products, Washington, DC, June 10-13, 1990 /

Mode of access: Internet.

Guidance for the reregistration of pesticide products containing picloram as the active ingredient : EPA case number 0096 : (005101).

Mode of access: Internet.

Egg Producers' Financial Protection Act of 1988 [microform] : hearing before the Subcommittee on Livestock, Dairy, and Poultry of the Committee on Agriculture, House of Representatives, One Hundredth Congress, second session, on H.R. 5086, September 22, 1988.

"Serial no. 100-107."

Guides to pollution prevention : the fabricated metal products industry.

Mode of access: Internet.

Determination of antibiotic an pesticide residues in dairy products; [course manual]

Includes bibliographies.

Chemical product clean-out protocol : how you can remove unwanted chemical products in a safe and environmentally sound way! /

Cover title.

Guide to pollution prevention for the fabricted metal products industry /

"June 1994."

LUST regulations (from Title 35 : Environmental protection; subtitle G: Waste disposal) : leaking underground storage tanks.

"Title 35: Environmental protection, subtitle G: Waste disposal, chapter I: Pollution Control Board, subchapter d: Underground injection control and underground storage tank programs, Part 731, Underground storage tanks, subpart A: Program scope and interim prohibition."--Caption title.

Opportunities to enhance the purchase of environmentally preferable products : a report to the Illinois General Assembly.

State government purchases a wide array of goods and services, ranging from office supplies to motor vehicles to energy. While purchasing officials are working to get the maximum value out of each dollar they spend, products with reduced environmental impacts are becoming increasingly available in the marketplace to help state agencies meet the challenge of operating more efficiently. Known as environmentally preferable or "green," these products can save energy and water, reduce waste generation and improve the workplace environment. ... This report provides recommendations on steps Illinois state government can take to expand the purchase of products that have a reduced impact on human health and the environment, while maintaining fiscal responsibility. The report was prepared by the Interagency Working Group on Environmentally Preferable Purchasing, which was created by Governor Rod Blagojevich in response to House Resolution 797. The Working Group included representatives of the Capital Development Board; Department of Central Management Services; Department of Natural Resources, Department of Commerce and Economic Opportunity; Environmental Protection Agency; and Governor's Office of Management and Budget.