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Store Cards Market Investigation
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Book Synopsis Store Cards Market Investigation by : Great Britain: Competition Commission
Download or read book Store Cards Market Investigation written by Great Britain: Competition Commission and published by The Stationery Office. This book was released on 2006-04-21 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: In light of the concerns that have been raised about the lack of transparency of credit card charges in the UK, particularly in relation to interest rates charged for store card credit, this matter was referred by the Office of Fair Trading to the Competition Commission in March 2004. The Commission's inquiry focuses on two key aspects: store card credit services to retailers and related insurance services; and consumer credit through store cards and related insurance services. These cards offer a method of payment and credit option which are retailer-specific, and are mostly operated by department stores and clothing retailers. The investigation is based on data relating to the period from 1999 to 2003 (supplemented by relevant information for 2004 and projections for 2005 and 2006) and focuses on the functioning of the market as a whole rather than on the conduct of individual companies. Issues examined include: relevant economic markets and the wider regulatory framework; proposals to reform the legislation governing the credit market and statutory issues; factors that prevent, restrict or distort competition; detrimental effects on customers; and options for remedial action. The report finds that the interest rates charged on store cards are too high (generally annual percentage rates (APRs) of between 10 to 20 per cent above required levels), resulting in an estimated cost for consumers of at least £55 million a year and possibly significantly more. A number of remedies are identified that store card credit providers should make, including warning cardholders on monthly statements that cheaper credit may be available elsewhere; providing more and clearer information on all monthly statements; offering an option to pay by direct debit; and offering payment protection insurance separately from other elements of store card insurance.
Book Synopsis Market Investigations by : Massimo Motta
Download or read book Market Investigations written by Massimo Motta and published by Cambridge University Press. This book was released on 2022-01-06 with total page 411 pages. Available in PDF, EPUB and Kindle. Book excerpt: Increased concentration and rising market power require new rules. Market investigations are necessary to complement existing regulations.
Book Synopsis Personal Current Account Banking Services in Northern Ireland Market Investigation by : Great Britain: Competition Commission
Download or read book Personal Current Account Banking Services in Northern Ireland Market Investigation written by Great Britain: Competition Commission and published by The Stationery Office. This book was released on 2006-11-22 with total page 564 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Commission's report examines the market for personal current account (PCA) banking services in Northern Ireland, following on from a supercomplaint made by Which? and by General Consumer Council for Northern Ireland under the Enterprise Act 2002. This provisional report finds that banks have unduly complex charging structures and practices which are not sufficiently explained, and customers generally do not actively search for alternative PCAs or switch provider. It concludes that, despite significant changes in recent years, without effective remedial action the market as a whole will remain uncompetitive.
Download or read book Competition Law written by Richard Whish and published by Oxford University Press, USA. This book was released on 2015 with total page 1175 pages. Available in PDF, EPUB and Kindle. Book excerpt: Clear, authoritative, and comprehensive; the definitive resource on competition law for students and practitioners, written by the leading academics in the field. The eighth edition addresses key developments, including the Enterprise and Regulatory Reform Act 2013, with an increased emphasis on intellectual property.
Book Synopsis Competition Law and Policy in the EU and UK by : Barry J. Rodger
Download or read book Competition Law and Policy in the EU and UK written by Barry J. Rodger and published by Routledge. This book was released on 2014-09-19 with total page 335 pages. Available in PDF, EPUB and Kindle. Book excerpt: Competition Law and Policy in the EU and UK provides a focused guide to the main provisions and policies at issue in the EU and UK, including topics such as enforcement, abuse of dominance, anti-competitive agreements, cartels, mergers, and market investigations. The book’s contents are tailored to cover all major topics in competition law teaching, and the authors’ clear and accessible writing style offers an engaging and easy to follow overview of the subject for course use. The fifth edition provides a full update for this well-established title, presenting and contextualising the impact of key cases, as well as changes to enforcement practice, and at a legislative and institutional level. There are new, separate chapters in this edition on private enforcement and UK market investigations to reflect the increasing significance of these key areas of competition law practice. Competition Law and Policy in the EU and UK integrates useful pedagogical features to help clarify topics and reinforce important points: chapter overviews and summaries highlight the key points to take away from each chapter to structure student learning discussion questions facilitate self-testing and seminar discussions of the major issues covered in each chapter, to help reinforce understanding of these topics further reading lists additional resources in order to guide research and develop subject knowledge a new glossary provides succinct explanations of competition law terminology, ideal for those studying the topic for the first time Clear, focused and student-friendly, this title offers a comprehensive resource for students taking competition law courses, and is supported online by updates to the law offered on Angus MacCulloch’s blog, Who’s Competing (http://whoscompeting.wordpress.com/).
Book Synopsis Antitrust Developments in Europe 2006 by : Romano Subiotto
Download or read book Antitrust Developments in Europe 2006 written by Romano Subiotto and published by Kluwer Law International B.V.. This book was released on 2007-01-01 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Antitrust laws and proceedings in Europe, both at the Community and national levels, shape the European and international business landscape profoundly. It is therefore essential that business leaders and legal practitioners remain informed of the most important antitrust law developments and their effect on the business world. Antitrust Developments in Europe 2006 provides a comprehensive and practical commentary on the past year's major developments in EC and national antitrust law. Topics covered include: and Vertical Restraints and Horizontal Agreements and Abuse of Market Power and Mergers and& Acquisitions and Joint Ventures and State Aid and Policy and Procedures The insightful and concise analysis of major antitrust actions contained in this yearbook will be invaluable to antitrust legal practitioners, in-house counsel, businesspeople and others with an interest in the field. Cleary, Gottlieb, Steen and& Hamilton, with one of the most sophisticated and highly-respected European antitrust law practices, has systematically and meticulously monitored antitrust developments in Europe since the early 1970s. This volume represents the combined efforts and expertise of Cleary Gottlieb's antitrust practitioners in this rapidly-changing field.
Author :Great Britain. Parliament. House of Commons. Business and Enterprise Committee Publisher :The Stationery Office ISBN 13 :9780215523259 Total Pages :600 pages Book Rating :4.5/5 (232 download)
Book Synopsis Energy Prices, Fuel Poverty and Ofgem by : Great Britain. Parliament. House of Commons. Business and Enterprise Committee
Download or read book Energy Prices, Fuel Poverty and Ofgem written by Great Britain. Parliament. House of Commons. Business and Enterprise Committee and published by The Stationery Office. This book was released on 2008 with total page 600 pages. Available in PDF, EPUB and Kindle. Book excerpt: A report from the 'Business and Enterprise Committee' that inquires into the effect of the 'Big 6' energy companies - which include Npower, Centrica, EDF Energy, Scottish Power, and Scottish and Southern Energy - all raising their prices between January and April 2008. It aims to feed into a separate inquiry being carried out by Ofgem.
Book Synopsis Competition Law and Policy in the EC and UK by : Barry Rodger
Download or read book Competition Law and Policy in the EC and UK written by Barry Rodger and published by Routledge. This book was released on 2008-10-03 with total page 487 pages. Available in PDF, EPUB and Kindle. Book excerpt: Competition law, at both the EC and UK levels, plays an important and ever-increasing role in regulating the conduct of businesses. Based on the premise that open and fair competition is good for both consumers and businesses, competition law prevents businesses from entering into anti-competitive agreements and from abusing their dominant market position. Competition Law and Policy in the EC and UK looks at how competition law affects business, including: co-ordinated actions; pricing behaviour; take-overs and mergers; and state subsidies. It provides a clear guide to and outline of the general policies behind, and the main provisions of EC and UK competition law. Information is presented within a structured framework, complete with a glossary of useful terminology. This fourth edition has been revised and updated to take into account developments since publication of the previous edition, including expanded coverage of the regulation of cartels, the development of private enforcement, the consideration of IP issues in Microsoft, and extended discussion of UK competition Law.
Book Synopsis Competition Law of the EU and UK by : Sandra Marco Colino
Download or read book Competition Law of the EU and UK written by Sandra Marco Colino and published by Oxford University Press. This book was released on 2011-05-12 with total page 539 pages. Available in PDF, EPUB and Kindle. Book excerpt: The competition policy of the European Community is a vital part of Community law. Covering competition law in the UK and the EU, this book introduces the fundamental concepts employed in the application of competition law.
Book Synopsis Consumer Credit Law and Practice - A Guide by : Dennis Rosenthal
Download or read book Consumer Credit Law and Practice - A Guide written by Dennis Rosenthal and published by Bloomsbury Publishing. This book was released on 2018-01-26 with total page 555 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A new edition of Dennis Rosenthal's Consumer Credit Law and Practice - A Guide is always an event to be welcomed by the busy practitioner... In all this welter of regulation, there is a great need for a work which reduces the mass of case law and regulation covered in encyclopaedic works into a clear, concise and readable form which steers a way through the labyrinth. This is just such a book... It is to be warmly welcomed.” From the Foreword by Roy GoodeThe most useful and comprehensive single volume work on the subject of consumer credit. Consumer Credit Law and Practice - A Guide, Fifth Edition is an easily accessible guide covering all aspects of consumer credit, consumer hire and ancillary credit businesses. Written in a clear and penetrating style, the new fifth edition has been extensively updated and rewritten to take account of all relevant case law, legislative changes and developments, including: - coverage of EU Directives relating to alternative dispute resolution, supervision of credit institutions and consumer credit agreements for residential immovable property - the transfer of licensing from the OFT under CCA 1974 to authorisation and permission by the FCA under FSMA - the substitution of substantial parts of CCA 1974 and regulations under that Act, by FSMA, regulations under FSMA including RAO, and the FCA Handbook, in particular the Consumer Credit sourcebook (CONC) and the Mortgages and Home Finance Conduct of Business sourcebook (MCOB) - new chapters on FCA requirements and procedures relating to authorisation and permission, treating customers fairly, supervision and reporting, and alternative dispute resolution - developments in related areas such as data protection, fraud prevention and anti-money laundering Consumer Credit Law and Practice - A Guide, Fifth Edition is essential reading for: banking and commercial law practitioners; in-house lawyers; companies operating in consumer credit related industries, including banks and building societies, credit card companies, finance and leasing companies; compliance personnel; and consumer advisers.
Book Synopsis Dominance and Monopolization by : Rosa Greaves
Download or read book Dominance and Monopolization written by Rosa Greaves and published by Routledge. This book was released on 2017-05-15 with total page 805 pages. Available in PDF, EPUB and Kindle. Book excerpt: Antitrust and competition law is a fast moving area of law and the subject of extensive academic research. The aim of this volume is to select articles as tools for understanding how antitrust and competition law is applied to unilateral conduct which is harmful to the consumer and to the competitiveness of the market. The articles examine the meaning of dominance and monopolisation and show that although legal and economic rules have been developed to establish whether undertakings hold such strong market positions, it is often difficult to determine with certainty that the undertaking being investigated meets the threshold. The various debates on pricing and non-pricing conduct are also represented as are the conflicts that have arisen regarding the exercise of intellectual property rights by powerful undertakings, particularly in the context of the new economies. The volume includes scholarly articles published on both sides of the Atlantic and enables a greater understanding of the application of antitrust and competition law from the point of view of economics and politics.
Book Synopsis Consumer Credit, Debt and Bankruptcy by : Johanna Niemi
Download or read book Consumer Credit, Debt and Bankruptcy written by Johanna Niemi and published by Bloomsbury Publishing. This book was released on 2009-07-15 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: After a long period of prosperity and steady economic growth, the world's leading economies are now in crisis, and although there will be debate about its origins, the scale and seriousness of the crisis is in no doubt. There is also no doubt that excessive amounts of consumer credit, allied to a weak understanding of how globalised credit markets might react to a crisis, have played a significant part. This book, which is primarily about credit, debt and the trouble they have led to, is written by authors who have specialised in researching into over-indebtedness, that is, situations in which an individual's debt burden has become overwhelming. For these authors the plight of individuals is a primary concern, but the wider issue is how credit is used and how it changes societies. The essays in this volume, addressing topics which are fundamental to our understanding of the current crisis, range widely across the whole sector of consumer finance, including mortgages, 'credit-binges', the regulation of consumer lending, insolvency, repayment plans, debt counselling and much more besides. The conclusions drawn from the book are equally wide-ranging, but above all the lesson learned from these essays is that the financialisation of contemporary life ensures that issues of the appropriate role of credit remain of critical importance in society.
Author :Great Britain: Parliament: House of Commons: Trade and Industry Committee Publisher :The Stationery Office ISBN 13 :9780215036841 Total Pages :100 pages Book Rating :4.0/5 (368 download)
Book Synopsis The work of the Office of Fair Trading by : Great Britain: Parliament: House of Commons: Trade and Industry Committee
Download or read book The work of the Office of Fair Trading written by Great Britain: Parliament: House of Commons: Trade and Industry Committee and published by The Stationery Office. This book was released on 2007-10-24 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Committee's report examines the work of the Office of Fair Trading (OFT) as part of a programme of short inquiries into the non-departmental public bodies associated with the Department of Business, Enterprise and Regulatory Reform (formerly the DTI). A NAO report (HCP 593, session 2005-06; ISBN 0102936161) published in November 2005 highlighted three key areas of concern about the OFT and its approach to its work, focusing on making best use of its resources; improving the management of investigations; and improving the measurement of its achievements and the communication of its work. The Committee commends the OFT for its positive response to address these concerns, and although it is too soon to make a balanced assessment of the results, they are encouraged by the evidence of progress so far. The report also examines issues relating to staffing constraints, the merger referral threshold, the OFT's role in voluntary industry codes of practice, and the OFT's Consumer Direct telephone service.
Book Synopsis EC Competition Law by : Giorgio Monti
Download or read book EC Competition Law written by Giorgio Monti and published by Cambridge University Press. This book was released on 2007-08-06 with total page 506 pages. Available in PDF, EPUB and Kindle. Book excerpt: Monti explores the development of EC competition law through an interdisciplinary approach, focusing on the political and economic considerations that affect the way the rules are interpreted. Written with competition law students in mind, it should also be of interest to undergraduate and postgraduate students of EU politics and economics.
Book Synopsis New Developments in UK and EU Competition Policy by : Roger Clarke
Download or read book New Developments in UK and EU Competition Policy written by Roger Clarke and published by Edward Elgar Publishing. This book was released on 2006-11-28 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: Major developments have recently taken place in competition and antitrust policy in both the UK and EU. Following an informative overview, this timely book presents authoritative accounts of recent changes and clear analyses of current policy. As well as discussing new developments in policy towards monopolies, mergers, cartels and state aids, it features chapters on the treatment of vertical restraints and regulated industries. The book also includes a discussion of the relationship between competition policy and intellectual property rights, and concludes with a forward-looking assessment.
Author :Great Britain: Parliament: House of Lords: Select Committee on Regulators Publisher :The Stationery Office ISBN 13 :9780104011652 Total Pages :648 pages Book Rating :4.0/5 (116 download)
Book Synopsis UK economic regulators by : Great Britain: Parliament: House of Lords: Select Committee on Regulators
Download or read book UK economic regulators written by Great Britain: Parliament: House of Lords: Select Committee on Regulators and published by The Stationery Office. This book was released on 2007-11-13 with total page 648 pages. Available in PDF, EPUB and Kindle. Book excerpt: UK economic Regulators : 1st report of session 2006-07, Vol. 2: Evidence
Book Synopsis European Competition Law Annual 2006 by : Claus-Dieter Ehlermann
Download or read book European Competition Law Annual 2006 written by Claus-Dieter Ehlermann and published by Bloomsbury Publishing. This book was released on 2007-11-16 with total page 694 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the eleventh in the series on EU Competition Law and Policy produced by the Robert Schuman Centre of the European University Institute in Florence. The volume reproduces the materials of the roundtable debate which examined the enforcement of the prohibition on cartels. The workshop participants - senior representatives of the Commission and the national competition authorities of some EC Member States, renowned international academics and legal practitioners - discussed the economic and legal issues that arise in this particular area, including: 1) unearthing cartels: the evidence; 2) the institutional framework and 3) tools of enforcement.
