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Consumer Protection in the EU: Key Legal Rights and Obligations in Modern Contractual Relationships

Consumer Protection in the EU: Key Legal Rights and Obligations in Modern Contractual Relationships

Dates

  • • to
    Delivered Online
    €160+ VAT
    Book

Highlights

  • Live Online

  • 3 CPD Units | 3 Hours

The EIMF Live Online Learning Experience

Participants will receive access to the recorded sessions of the course.

EIMF subject-matter experts deliver engaging and interactive courses across a broad spectrum of areas, that can be enjoyed in the comfort of your own chosen environment. Read more

Course Overview

This practical training explores the legal and regulatory landscape of consumer protection and contractual fairness in the EU, with emphasis on modern consumer credit contracts and financial services. Through a practical approach, participants will examine key legal provisions, regulatory expectations, and risks associated with consumer legislative provisions and operational terms. The training integrates recent EU-level developments, including the new Consumer Credit Directive (EU) 2025/2225, and addresses how financial institutions can ensure transparency, fairness, and legal certainty in consumer relationships.

Reference will also be made to the Consumer Protection Law of 2021 (112(I)/2021) of Cyprus, as applicable, highlighting both EU and Cyprus legal approaches.

Designed for legal and compliance professionals, this training empowers participants to navigate contractual pitfalls and develop strategies to mitigate regulatory and litigation risks.

Training Objectives

By the end of the programme, participants will be able:

  • Understand the fundamental legal principles of consumer protection under EU law and Cyprus Law 112(I)/2021.

  • Present legal rights and obligations.

  • Identify the main legal obligations under the new Consumer Credit Directive (EU) 2025/2225.

  • Analyse key risks and regulatory expectations in consumer contractual terms /provisions.

  • Assess the regulatory and legal implications of non-compliance.

  • Recognise red flags and litigation exposure in standardised contracts.

  • Analyse the practical implications of the legal requirements.

Training Outline

Introduction to EU and Cyprus Consumer Protection Framework

  • Legal Basis and Regulatory Evolution

  • Key Principles: Transparency, Fairness, and Informed Concept

  • Overview of Cyprus Consumer Protection Law 112(I)/2021

The New Consumer Credit Directive (EU) 2025/2225

  • Overview, Purpose and Scope

  • Key Innovations - Key Legal Obligations for Credit Providers

  • Practical Implications for Implementation

Unfair Terms in Consumer Contracts

  • Definitions and Scope

  • Criteria for Unfairness under EU and Cyprus Law

  • Enforcement, Case Law and Market Practices

Practical Issues - Compliance and Legal Risks

  • Legal and Compliance challenges and Internal Controls

  • Contract Law issues - Drafting Recommendations for Compliance

  • Supervisory Focus and Expectations

Interactive Session

  • Case Studies and Case Law

  • Q&A and Discussion

Who Should Attend

The programme is ideal for:

  • Managers and Senior Managers in Investment Firms

  • Compliance Officers

  • Internal Auditors

  • Internal Lawyers

  • External Auditors, Lawyers and Financial Consultants

  • Finance professionals

Training Style

The programme aims to provide in-depth knowledge and practical examples through the analysis of the legal framework. Participants will be engaged in interactive sessions, be able to ask questions, share opinions and benefit from feedback to their queries, enabling them to apply their learning at the workplace.

CPD Recognition

This programme may be approved for up to 3 CPD units in Law. Eligibility criteria and CPD Units are verified directly by your association, regulator or other bodies which you hold membership.

The course has been approved and verified by the Cyprus Bar Association (CyBAR). The Summary of CyBAR’s Updated CPD Guidelines Based on the Operational Framework of the Cyprus Bar Association (CBA) Academy can be found here.

In-house Training

For groups within the same organisation, this course may be customized to meet any specific needs and delivered in-house.

Facilitators

  • Elena Niki Karletidi

    Elena Niki Karletidi

    Read moreShow less

    Dr. Elena Niki Karletidi, an exceptional business lawyer, who brings over 15 years of experience in legal, compliance, and risk areas, specializes in Commercial Law, Company Law, Banking Law, Contract Law, Investment Law, and Consumer Protection Law. Elena is a qualified Lawyer both in Greece and Cyprus Bar Associations, and holds an LLM in International Commercial Law and a PhD in Law. Her doctoral thesis, ‘Legal Relations in Crowdfunding in Cyprus: Legal Issues and Challenges in the Digital Age,’ provides an innovative and groundbreaking legal analysis of the legal framework for Crowdfunding in EU and Cyprus, published as a practical legal guide with Nomiki Bibliothiki in 2024. Elena is a dynamic leader in training, guiding teams through legal and regulatory landscapes, simplifying complexities and spearheading success in the financial sector. Fluent in Greek, English, and French, she brings a wealth of knowledge and practical experience, making her exceptionally effective in delivering practical legal training and advice. Elena is also a certified mediator and a member of the Cyprus Centre for Alternative Dispute Resolution. Since 2011, she has served as Legal Counsel for credit institutions in Cyprus, advising on various legal matters. Currently, she holds the position of Assistant Manager at a systemic bank in Cyprus, specializing in Regulatory Compliance. Elena is also a professional member (MiCA) of the International Compliance Association (ICA) and a Founding Member and Board Member of the Cyprus Compliance Association (CCA).

Frequently Asked Questions

  • When will I receive my invoice?

    The invoice is issued on the day the course starts.

  • What payment methods are accepted?

    Payments can be made by bank transfer, cheque, or credit card.

  • When will my certificate be issued?

    Certificates are issued within 7–10 days after the course has been completed, provided that the invoice has been paid.

  • How can I access my certificate?

    Once your certificate has been issued, you will receive an automated email from Cademy notifying you that it is available.

    Click the Get Your Certificate button in the email to download your certificate.

    You can also access it from your Cademy account:

    1. Log in to your Cademy account from https://cademy.io
    2. Click on My Account from the top-right corner.
    3. From the drop-down menu select My Courses and Bookings.
    4. Choose the relevant course.
    5. Under Participants, click the three dots located next to your name. 
    6. Select Get Certificate.
  • Where can I access the course material?

    To access the course materials, such as presentations and recordings:

    1. Log in to your Cademy account from https://cademy.io
    2. Click on My Account from the top-right corner.
    3. From the drop-down menu select My Courses and Bookings.
    4. Choose the relevant course.
    5. Under Extra Details, you will find all the available course materials.