With the development of the internet and, more recently, the Covid pandemic, the number of consumers contracting remote financial services (online or by telephone) has exploded.
Due to the complexity of contracts and the difficulty of accessing information, these consumers do not always know exactly where they are stepping.
The European Commission on Wednesday presented a series of proposals aimed at protecting them further.
This, according to Justice Commissioner Didier Reynders, is to “
improve online fairness
”.
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Thus, operators will be required to display a withdrawal button during the fourteen days during which it can be exercised.
The objective is to prevent the customer from getting lost in the maze of the merchant's website.
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Before that, the pre-contractual information will have to be more numerous and more visible: electronic address of the professional, possible hidden costs, risks linked to the financial service, etc.
And the customer will have to benefit from this information at least one day before the signature of the contract.
In addition, the consumer who wishes to have more explanations on the contract will have the possibility of speaking to a real operator, in addition to
chats
and automated questions and answers.
Crypto-assets will also be covered by this new legislation.
The ball is now in the court of the European Parliament and the Council.