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2019 Romanian Rev. Priv. L. 273 (2019)
Need to Protect Consumers. How Do We Intervene: Through or in Relation to Certain Law Institutions?

handle is hein.journals/ronrev2019 and id is 273 raw text is: Nevoia de protectie a consumatorilor. Cum intervenim: prin sau asupra unor institutii de drept? DANIEL NICOLAESCU Director Executiv, DirectiaJuridic ýi Guvernant Corporativâ, RAIFFEISEN Bank LA NÉCESSITÉ DE PROTÉGER LES CONSOMMATEURS. COMMENT PEUT-ON INTERVENIR: PAR OU SUR CERTAINS ORGANISMES DE DROIT? RÉSUMÉ Le présent article analyse quatre lois nouvelles de la perspective de la nécessité et des possibles effets, respectivement des projets d'amendement de certains lois, visant à garantir un « équilibre » entre les consommateurs et les professionnels du système financier-bancaire, dans une tentative d'analyser à quel point, mais aussi de quelle manière le législateur doit intervenir dans les situations où il considère que l'équilibre entre les consommateurs et les professionnels n'existe plus. En outre, on essayera de montrer que certains projets (tels que l'élimination du «hasard») ne peuvent pas être accomplis, et la ténacité dans la « solution » de certaines situations réelles ne peut pas être atteinte de n'importe quelle façon, mais sans porter gravement atteinte à certaines institutions de droit. Mots-clés: la protection des consommateurs; partager les risques; la liberté contractuelle; l'élimination du hasard; le plafonnement tarifaire; le hasard moral; l'imprévision ope legis. NEED TO PROTECT CONSUMERS. HOW DO WE INTERVENE: THROUGH OR IN RELATION TO CERTAIN LAW INSTITUTIONS? ABSTRACT This article examines four new laws from the perspective the need and of the possible effects, respectively draft amendments of certain laws, intended to ensure a balance between consumers and professionals in thefinancial and banking system, in the attempt to examine to what extent, and also in which manner the legislator must intervene in those situations where it considers that there is no more balance between consumers and professionals. Moreover we will try to show that certain requirements (such as the removal of hazard) may not be attained, and the toughness in solving certain real situations may not be achieved by any means, without seriously prejudicing certain law institutions. Keywords: consumers' protection; risk sharing; contractual freedom; removal of hazard; price cap; moral hazard; ope legis hardship.

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