KONCEPT ZAŠTITE POTROŠAČA KOD UGOVORA O FINANSIJSKIM USLUGAMA NA DALJINU U SISTEMU EVROPSKOG POTROŠAČKOG PRAVA

XX Majsko savetovanje (2024), Tom 1 (str. 431-454)

AUTOR(I) / AUTHOR(S): Nenad Gavrilović

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DOI: 10.46793/XXMajsko1.431G

SAŽETAK / ABSTRACT:

U radu se analizira domet novih pravila Direktive (EU) 2023/2673 koje se odnose na potrošačke ugovore o finansijskim uslugama na daljinu, a kojima se ukida aktuelna Direktive 2002/65/EZ. Prikazani su najpre koncepcijski belezi Direktive 2002/65/EZ, a potom i oni pravila Direktive (EU) 2023/2673, koja su pak interpolirana u sistem Direktive 2011/83/EU. Pravila Direktive (EU) 2023/2673 modernizuju postojeća pravila Direktive 2002/65/EZ o predugovornom informisanju i o pravo na povlačenje od zaključenog ugovora, a uređuju se i potpuno novi aspekti koji se odnose na tzv. odgovarajuća objašnjenja, na tzv. tamne obrasce na internet interfejsima   trgovaca, itd. Opšta je ocena da je pravna politika Unije u pogledu ugovora o finansijskim ugovorima na daljinu u principu nepromenjena, a izvršena je modernizacija koja je rezultat potrebe da se pruže odgovori na nove izazove digitalizacije.

KLJUČNE REČI / KEYWORDS:

finansijske usluge, ugovor na daljinu, zaštita potrošača, predugovorno informisanje, pravo na povlačenje

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