This paper analyses rental contracts in the housing market assu-ming asymmetric information about tenant related `service cost' andimperfect mobility. On the positive side it explains why long standingtenants tend to enjoy lower rents |the so called `tenure discount'. Onthe normative side, it...

...The first section takes a brief look at the history of rent controls. Initially mostmeasures were aimed at preventing landlords from reaping what was perceived tobe a ‘windfall profit’ resulting from some sort of unexpected emergency. It alsodemonstrates the diversity of rent control...

Significant amount of work currently undertaken by CEIOPS; Some challenging times ahead; I will focus on two main workstreams: PRIPs and IMD Revision...

The process; A case for EU action; IGS in MS of the EU/EAA; Design Features; The outcome: What size?...

U.S. policy holder protection; U.S. garanty fund system; Notable Features...

This session is about the grwoing political influence - and sometimes what I would regard as interference - with liability insurance in Europe. To me, this is a growing problem and I don't know when it is going to end. It could, however, lead to a complete reshaping of liability insurance and i...

Former CEIOPS Intermediaries Expert Group, CEIOPS Committee on Consumer Protection, Conclusions of the De Larosière Report, Lessons learned from the crisis...

Effective market regulation is criticial to consumer protection. Communication between various insurance department division is key. Market regulatory reforms are focusing on analysis, uniformity and collaboration...

Auskunfts- und Mehrwertdienste (AMWD) sind gekennzeichnet durch eine unmittelbareIntegration von originären Übertragungsleistungen in TK-Netzen, inhaltlichen Zusatzleistungenund Abrechnungsprozessen. Im deutschen TK-Markt finden sich im Wesentlichenzwei Formen von AMWD: Dienste, die über...

Kundenschutzregelungen für den deutschen Postmarkt finden sich gegenwärtig vorallem in der Postdienstleistungsverordnung (PDLV) von 2001. Im ehemals monopolistischenBriefmarkt war die angemessene Berücksichtigung von Kundeninteressen nichtdurch den Wettbewerb gesichert; die Aufgabe des...