In December of last year, the European Court of Justice ("ECJ" or the "Court") ruled against Vodafone's standard charges levied on their customers for using certain payment instruments when paying...

On 13 February 2025, the Court of Justice of the European Union (the "CJEU") delivered a preliminary ruling in the case C-472/23 in the names Lexitor sp. z o.o. v A. B.S.A...

Personal loans and overdrafts, credit cards and short-term credit products are amongst the commonest consumer lending products offered by banks and financial institutions to satisfy a variety of consumer needs.

The European Accessibility Act ("EAA"), formally known as Directive (EU) 2019/882 (and the Maltese transposition through the "Accessibility Measures (European Accessibility Act)...

There is little doubt that despite the importance of reading the terms included in policy documents, very few people actually read them. Reading investment documentation and understanding their potential...

In a preliminary ruling delivered by the Court of Justice of the European Union (the "CJEU" or the "Court") on the 24 October 2024 in the case of LB & JL (the "Plaintiffs") vs Getin Noble Bank S.A.

On 25 June 2023, the Maltese law transposing the Representative Actions Directive came into force.

On 9 February 2023, the Court of Justice of the European Union ("CJEU"), in delivering a ruling in the case of UniCredit Bank Austria AG vs. Verein für Konsumenteninformation (Case C-555/21), considered the provisions on reduction of costs in the event of early repayment.

On 9 February 2023, the Court of Justice of the European Union ("CJEU"), in delivering a ruling in the case of UniCredit Bank Austria AG vs. Verein für Konsumenteninformation...

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation...

Advancements in the world of fintech have fundamentally reshaped consumer behaviour through the rise of flexible payment methods, driven by surging technological developments.

Just under two decades ago, the European Parliament issued a Regulation on cross-border payments geared towards facilitating cross-border trade within the Union by ensuring that cross-border payment charges...

The Court of Justice of the European Union (the "CJEU") assessed the right of withdrawal from a contract concluded off-premises available to consumers in its preliminary ruling delivered...

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation which banks...

On the 7 January 2020, Directive 2019/2161 of the European Parliament and of the Council as regards the better enforcement and modernisation of Union consumer protection ...

The national legal framework applicable to banks and financial institutions offering consumer lending products, including personal loans, overdrafts and credit cards, is being revised as detailed by the MFSA...

In the face of this new reality a number of legal issues need to be considered in order to ensure that these new services are in compliance with applicable Maltese law.

Until 31 December 2024, VAT was levied on live-streamed events, including live virtual events, where that event took place. This means that live-streamed events were subject to VAT in the country in which the event...

The Council presidency and the European Parliament arrived at a provisional agreement on the Markets in Crypto-Assets (MiCA) proposal in June 2022.

On 7 April 2022, the CJEU, in delivering a ruling in the case of Fuhrmann-2-GmbH v. B., adopted a consumer friendly approach by clarifying that for consumers to be validly bound by an electronically formed contract, ...