CONTENTS
Terms of Reference
Summary
Chapter 1: Introduction
The Commission's proposal
Box 1: Summary of the Commission's proposal
Our inquiry
Chapter 2: Overall objective
Contents of the proposal
Need for action?
Impact Assessment and research base
Overall objective and underlying principles of action
Appropriate action?
Conclusions and recommendations
Chapter 3: Full harmonisation
Contents of the proposal
Box 2: Rome I
The principle of full harmonisation
Box 3: Full harmonisation case law
Alternatives to full harmonisation
Conclusions and recommendations
Chapter 4: Scope of the Directive
Contents of the proposal
General comments
Application to existing Directives
Services and digital products
Services
Digital products
Mixed contracts
Hire purchase
Business-to-business
Financial services and insurance
Box 4: Inertia selling and auto-enrolling
Conclusions and recommendations
Chapter 5: Clarity for consumers and provision of information
Contents of the proposal on information
Clarity of the proposal for the consumer
General consumer information provisions
Room for improvement
Interaction with existing Directives
Information overload?
Information requirements for financial services and products
Conclusions and recommendations
Chapter 6: Right of withdrawal for distance and off-premises contracts
Contents of the proposal
Box 5: Distance and off-premises contracts
Harmonisation of the withdrawal period
Exercising the right of withdrawal
Conclusions and recommendations
Chapter 7: Sales Contracts
Contents of the proposal
The right to reject
Time limits
Other restrictions
Conclusions and recommendations
Chapter 8: Unfair contract terms
Contents of the proposal
Box 6: Examples of possible unfair contract terms
Negotiated terms
The "black" and "grey" lists
Review of terms and revision of the lists
Box 7: Regulatory Committee with Scrutiny
Conclusions and recommendations
Chapter 9: Summary of Conclusions and Recommendations
Appendix 1: Sub-Committee G (Social Policy and Consumer Affairs)
Appendix 2: List of Witnesses
Appendix 3: Call for Evidence
Appendix 4: References to other pieces of
EU Legislation
Appendix 5: Recent Reports
Oral and Written Evidence
Thursday 26 March 2009
Thursday 23 April 2009
Thursday 30 April 2009
Thursday 7 May 2009
Thursday 14 May 2009
Thursday 21 May 2009
Written Evidence
NOTE: References in the text of the report are as
follows:
(Q) refers to a question in oral evidence
(p) refers to a page of written evidence
The Report of the Committee is published in Volume
I, HL Paper No 126-I
The Evidence of the Committee is published in Volume
II, HL Paper No 126-II
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