Nowy „paradygmat” ochrony konsumenta na rynku finansowym w świetle zmian regulacyjnych i instytucjonalnych po kryzysie finansowym 2007–2009
New “paradigm” of consumer protection in the financial markets in the context of regulatory and institutional changes after the financial crisis of 2007–2009

Summary/Abstract: The article is a voice in the discussion about a new paradigm of consumer protection in the financial services market. The author assesses the legal reforms introduced in Europe and the United States after the financial crisis of 2007–2009, which have led to creation of specialized consumer regulations and a new supervision model over consumer protection. A special place among these legal acts is reserved for Directive 2014/17/EU which introduced regulations regarding: financial advice, transparency (via the European Standardized Information Sheet – ESIS), standardized format, and the calculation of the annual percentage rate of charge APRC, as well as the principles of appropriateness and suitability.

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