Consumers and financial services

Foreword

Jules Stuyck

The Paradox of Access in Financial Services for Consumers

Hans W. Micklitz

(Opt-out) Intermediation as an Alternative for Ensuring a True Protection for

European

Retail Investors ?

Tom Van Dyck

The Consumer Credit Directive : An Economic Approach

Louis Culot

The Single Euro Payments Area (SEPA) and the Payment Services Directive (PSD):

What's in it for Consumers ?

Reinhard Steennot

An Outsider's View on Solvency II

Herman Cousy

Remedies for Consumers of Financial Services: Collective Redress and Improvement

of Class Representation

Ianika Tzankova and Jeroen Kortmann

Collective Adjudication of Financial Services and other Cross-Border Mass

Injury Cases

Jaime Dodge and David Rosenberg