EU Citizens’ Economic Rights in Action
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EU Citizens’ Economic Rights in Action

Re-Thinking Legal and Factual Barriers in the Internal Market

Edited by Sybe de Vries, Elena Ioriatti, Paolo Guarda and Elisabetta Pulice

This book analyses three important economic rights: consumer rights, rights of professionals in gaining access to the services market, and intellectual property rights in the light of the Digital Single Market. For each of these rights, contributors analyse the main pathways towards reducing and removing legal and factual obstacles to successful cross-border economic rights. In addition, the book takes into specific consideration the multifaceted issues related to the economic crisis and to the EU’s multilingualism.
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Chapter 8: Financial crisis and consumers: breaking down barriers to build up new ones?

Raúl Ignacio Rodríguez Magdaleno, Irma Martínez García and Silvia Gómez Ansón


The Treaty on the Functioning of the European Union, as its predecessors did, proclaims the protection of consumers as one of the objectives of the internal market. A vast series of norms, secondary legislation, contain provisions aimed at this purpose, conferring upon national authorities responsibility for their implementation, including the removal of any barriers to these rights. However, these norms were not always correctly implemented in national statutory law, and as a consequence by courts. The financial crisis that started in 2007 brought new perspectives on the protection of consumers in Europe. This chapter analyses the protection of consumers as European Union (EU) citizens within financial markets in Spain, a country deeply hit by the financial crisis and subsequent economic crisis.

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