The European Union's Package Travel Directive, in force since 2018, has undergone significant revision following systemic failures exposed by the Thomas Cook collapse and COVID-19 pandemic. The amended framework introduces strengthened refund mechanisms, harmonised voucher rules, enhanced insolvency protection, and clearer cancellation rights to address gaps that left millions of travelers vulnerable during major disruptions.

On 28 February 2025, the MFSA published a Conduct of Business Rulebook (the "Rulebook") for credit institutions offering retail products and services with the aim of enhancing consumer protection in the banking sector.

Malta offers expat families a comprehensive education system with government, church, and international schools providing diverse curricula in an English-speaking environment. Understanding school options, costs, and enrolment procedures is essential for families planning their relocation to this Mediterranean destination.

The practical stakes were considerable. If Rome II applied, Article 4(1) would designate the law of the place where the damage occurred — which, for online gambling losses, would normally be the habitual residence of the consumer.

Recent Maltese Arbiter decisions against Crypto.com reveal that EU Travel Rule compliance is evolving beyond anti-money laundering enforcement into a consumer-protection standard that can trigger civil liability for crypto-asset service providers.

How education can keep up with finance transformation...

In Case C-34/24, Stichting Right to Consumer Justice and Stichting App Stores Claims v Apple Distribution International Ltd and Apple Inc., the Grand Chamber of the Court of Justice of the European Union clarified the territorial scope ...

Since 1999, some years before the Consumer Complaints Manager had later been set up in 2002, the Authority had in place an informal structure which handled consumer queries.

In January 2023, consumer inflation in the Euro area stood at 8.6%1. In Malta, the annual inflation rate stood at 6.8%2. If it weren't for Government's decision to keep energy prices fixed...

Ministry for Finance Edward Scicluna presented Malta's Budget for 2017 on the 17th October 2016.

In Europe, online sales are set to reach 191 billion Euro by the year 2017.

The Malta Financial Services Authority (‘MFSA') has issued a Consultation Paper on Security Tokens Offering ("STOs") which aims to provide legal certainty for STOs.

There is no denying that, perhaps now more than ever, online platforms offer incomparable access to cross-border markets.

An autonomous vehicle is heading into another vehicle with five people inside. It cannot brake in time. The two options are: to do nothing and allow itself...

The Court of Justice of the European Union's landmark Wunner decision fundamentally reshapes director liability across the EU by permitting personal lawsuits against directors of companies operating cross-border, even when they hold valid licenses in their home jurisdiction. Can directors of Maltese companies still rely on separate legal personality protections when serving consumers across multiple Member States, or has the corporate veil been effectively pierced by this controversial judgment?

A video summary of the main highlights of the Malta Budget 2021 in 180 seconds.

The consultation document covers a broad range of issues, reading the signs of the times, proposing some regulation of some blockchain technologies and some technology services providers...

The Basel Committee published its "Report to G20 Finance Ministers and Central Bank Governors on Basel III implementation" on 31 October 2012.

For the purposes of this chapter, we shall be focusing on claims of breaches of competition law brought in private actions before the courts of civil jurisdiction.

Formalities. In order to create an enforceable debt obligation of the obligor to the seller: (a) is it necessary that the sales of goods or services are evidenced by a formal receivables contract...