When purchasing a product in terms of the Maltese Consumer Affairs Act, consumers have clear-cut legal rights.

The EU's proposed third Payment Services Directive ("PSD3"), together with the accompanying Payment Services Regulation ("PSR"), represents a fundamental shift in the legal architecture governing fraud liability in payment...

The Malta Financial Services Authority (MFSA) has issued the results of a Thematic Review assessing compliance by Financial Institutions offering payment accounts.

On 28 June 2023, the European Commission published a number of draft proposals as part of its ambitious plan to open up financial data and reform digital payments.

Malta's iGaming regulatory framework faces scrutiny as industry experts examine whether its first-mover advantage can withstand growing competition from emerging jurisdictions. The discussion explores how regulatory agility, professional services infrastructure, and strategic policy reforms like the Recognition Notice framework and revised VAT treatment position Malta to maintain its leadership in the global online gambling sector.

In a preliminary ruling requested by the Ravensburg Regional Courts in relation to Volkswagen Bank, Škoda Bank and BMW Bank (the "Banks") (Cases C 33/20, C 155/20 & C 187/20)

On 27 April 2023, the Court of Justice of the European Union ("CJEU"), in delivering a ruling in the case of MJ vs. AxFina Hungary Zrt. (Case C-705/21), considered the applicability...

On the 31 October 2019, the First Hall in its Constitutional Jurisdiction handed down judgement in Digisec Media Limited v Director General (Consumer Affairs) and Advocate General.

Borrowers' right to compensation from banks for unfair loan terms confirmed by the CJEU In its preliminary ruling delivered on 15 June 2023 in the case of Arkadiusz Szcześniak...

The International Organisation of Securities Commissions (IOSCO) has recently published a final report on Investor Education on Crypto-Assets (hereinafter referred to as the "Report")...

The iGaming and the e-Commerce industries have significantly increased the need for innovative payment solutions. The appetite of both merchants and consumers...

The European Union has agreed on a major legislative reform to Regulation (EC) No 261/2004, introducing significant changes to air passenger rights across the EU. Set to enter force in August 2027, the reform strengthens existing protections while introducing new obligations for airlines, including proactive notification duties, enhanced rerouting requirements, and expanded protections for passengers with reduced mobility.

The recently published Directive (EU) 2024/2853 (the "Product Liability Directive" or "PLD") will replace its 1985 predecessor by the 9th of December 2026, modernizing the framework for liability

Following an early repayment of their loans, the consumers had assigned to Lexitor, a company governed by Polish law, their claims against the banks relating to the early repayment of the loans.

On the first claim, the CJEU ruled that BSH was not guilty of an unfair commercial practice by listing energy class 'A' on the energy labels of its vacuum cleaners.

Sustainability has become a powerful megatrend affecting businesses across sectors, driven by evolving regulation and behavioral changes in stakeholders such as investors, customers and employees.

In its preliminary ruling delivered on 15 June 2023 in the case of Arkadiusz Szcześniak ("A.S.") v. Bank M. SA (the "Bank") (C-520/21), the Court of Justice of the European Union (the "CJEU") concluded that consumers...

There were several important legislative changes which were published over the course of November 2025. Below is an overview of the key updates across different areas.

On 22 April 2020, the Malta Competition and Consumer Affairs Authority (the "MCCAA") published a consultation regarding a Bill to amend the Consumer Affairs Act.

In a much-anticipated opinion, the European Banking Authority (EBA) has addressed one of the most pressing regulatory questions...