Consumer Rights Directive
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Table of Contents
Chapter I – Subject matter, definitions and scope
Chapter II – Consumer information for contracts other than distance or off-premises contracts
Chapter III – Consumer information and right of withdrawal for distance and off-premises contracts
Chapter IIIa – Rules concerning financial services contracts concluded at a distance
Chapter IV – Other consumer rights
Chapter V – General provisions
Chapter VI – Final provisions
Recitals (67)
Annexes
Chapter IIIa – Rules concerning financial services contracts concluded at a distance
Article 16e
Additional protection regarding online interfaces
1. Without prejudice to Unfair Commercial Practices Directive and General Data Protection Regulation (GDPR), Member States shall ensure that traders, when concluding financial services contracts at a distance, do not design, organise or operate their online interfaces, as defined in Article 3(m) of Digital Services Act (DSA) of the European Parliament and of the Council , in a way that deceives or manipulates consumers who are recipients of their service or otherwise materially distorts or impairs their ability to make free and informed decisions. In particular, Member States shall adopt measures that, in accordance with Union law, address at least one of the following practices by traders:
(a) giving more prominence to certain choices when asking the consumers who are recipients of their service for a decision;
(b) repeatedly requesting that consumers who are recipients of the service make a choice where that choice has already been made, especially by presenting pop-ups that interfere with the user experience; or
(c) making the procedure for terminating a service more difficult than subscribing to it.
2. Member States may adopt or maintain more stringent provisions regarding the requirements for traders set out in paragraph 1, when the provisions are in conformity with Union law.
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