These comments were submitted to the FTC as part of its hearings on “Competition and Consumer Protection in the 21st Century.” In these comments, we analyze three overarching topics relevant for the regulation of data: (1) The role of privacy as an element of non-price competition; (2) The...

This paper explains how the Consumer Rights Directive (CRD) was implemented in the United Kingdom. Although the implementation largely copies out the text of the CRD verbatim, the original proposal for a more detailed directive started a wider process of reforming and modernising UK consumer...

Demographic changes, tight public budgets, and reduced generosity of occupational pension plans shift the responsibility for an adequate retirement provision towards the individual. Applying the theoretical perspectives of Behavioural Finance and New Institutionalism to the domain of retirement...