Regulacyjne ramy ochrony konsumentów detalicznych produktów strukturyzowanych w Unii Europejskiej

Alicja Janusz

Abstract

The purpose of this article is to identify threats faced by the consumers of packaged retail investment products and to evaluate regulatory activities in the EU in order to strengthen the protection of the discussed consumers’ rights and interests. The applied research methods, which allowed for the purpose realization, were the subject literature studies and the review of the applicable and drafted EU legal regulations. The research was carried out in February 2017. The conducted analyses showed that in the EU, in terms of packaged retail investment products occurring in various legal forms and offered through diverse distribution channels, different legal requirements were applied for product transparency, sales and the related consultancy. In such a situation there is no consistent basis for the protection of retail investors or for the sustainable development of packaged retail investment products’ market.