B_OS Consumer Protection

University of Finance and Administration
Winter 2019
Extent and Intensity
0/2/0. 3 credit(s). Type of Completion: z (credit).
Teacher(s)
Ing. Zuzana Chlumská, Ph.D. (seminar tutor)
Guaranteed by
Ing. Miroslav Červenka
Department of Finance – Departments – University of Finance and Administration
Contact Person: Lenka Pokorná
Timetable of Seminar Groups
B_OS/cBPH: each odd Wednesday 14:00–14:44 E127, each odd Wednesday 14:45–15:30 E127, each odd Wednesday 15:45–16:29 E127, each odd Wednesday 16:30–17:15 E127, except Wed 20. 11. ; and Wed 13. 11. 8:45–10:15 E224, 10:30–12:00 E224, Z. Chlumská
Prerequisites
There are no prerequisites for this course.
Course Enrolment Limitations
The course is offered to students of any study field.
Course objectives
The course focuses on explaining the importance of consumer protection in the financial markets in all its contexts. The main objective of the course is to teach students how to protect consumers in the financial markets against unfair practices by financial institutions, and to be able to detect such behavior. Another aim of the course is to acquaint students with consumer protection legislation, not only in the Czech legal order, but also in the European context, focusing on the possibility of consulting services, including end consumers. the amicable settlement of disputes.
Learning outcomes
The student will be able to orientate himself / herself in the problem of legal regulation of consumer protection and in practice apply these principles, thus protecting him / her as a future professional working at the financial market.
Syllabus
  • 1. Characteristics of consumer protection legislation, sources of law in the Czech Republic and the EU definition of basic concepts consumer protection, regulation and supervision of consumer protection in general and focusing on the financial markets. 2. Characteristics of the Consumer Protection Act and the detailed interpretation of certain provisions. 3. Protection of consumers in respect of contracts negotiated away from the usual place of business. 4. Protection of consumers in distance contracts. 5. Protection of consumers in selected areas of the financial market - payment services, collective investments, consumer loans. 6th Alternative dispute resolution - general approaches, characteristics. 7th Alternative dispute resolution - the proceedings before the Financial Arbiter (competence, initiating proceedings, decisions, appeals) 8th Alternative dispute resolution - arbitration (arbitration clause, the arbitrator and his position, competence, initiating proceedings, the arbitral award) 9th Judicial dispute resolution - meaning the courts and their role in resolving disputes in the area of ​​financial-legal relations. 10th Role MoF, CNB, and CTI in regulation, oversight and supervision of consumer disputes. 11. Control codes of conduct on consumer protection in financial services. 12. Summary and appreciation, emphasizing the fundamental principles of consumer protection, case study.
Literature
    required literature
  • NOVÁKOVÁ, V. a kol. Slabikář finanční gramotnosti. 2. upravené vydání. Praha: COFET, a. s., 2011. 416 s. ISBN 978-80-9043
  • Bělohlávek, Alexander J.: Ochrana spotřebitelů v rozhodčím řízení, Praha, C. H. Beck, 2012, ISBN 978-80-7179-297-0
  • Zákon č 634/1992 Sb., o ochraně spotřebitele, ve znění pozdějších novel
  • zákon č. 99/1963 Sb., občanský soudní řád, ve znění pozdějších předpisů
  • Zákon č. 216/1994 Sb., Zákon o rozhodčím řízení a o výkonu rozhodčích nálezů, ve znění pozdějších novel
  • RABAN, P. a kol. Občanské právo hmotné - Závazkové právo. Brno: Václav Klem - Vydavatelství a nakladatelství, 2014. 528 s. ISBN 978-80-87713-11-2
  • zákon č. 89/2012 Sb., občanský zákoník, část
  • Etický kodex České bankovní asociace, dostupný z https://www.czech-ba.cz/cs/o-cba/eticky-kodex-cba
  • SPIRIT, M. Základy práva pro neprávníky. 3. rozšířené vydání. Plzeň: Vydavatelství a nakladatelství Aleš Čeněk, s. r. o., 2012. 282 s. ISBN 978-80-7380-116-8
  • SCHLOSSBERGER, Otakar. Platební služby (Payment services). 1. vydání. Praha: Management Press, 2012, 328 pp. ISBN 978-80-7261-238-3. info
    recommended literature
  • Bělohlávek, Alexander J.: B2C Arbitration: consumer protection in arbitration, Huntington, Juris 2012, ISBN 978-1-937518-12-7
  • Zwettlerová, I.: Aktuální aspekty ochrany spotřebitele v bankovnictví, Ostrava, Key Publishing 2009, ISBN 978-80-7418-009-5
  • zákon č. 257/2016 Sb., o spotřebitelském úvěru
  • ÚZ 1160 Ochrana spotřebitele. Ostrava: Nakladatelství Sagit, a.s., 2017
  • SCHLOSSBERGER, Otakar. The possibility of alternative dispute resolution, focusing on the role of financial arbitration in the Czech Republic. Actual Problems of Economics (APE). 2013, No. 12, p. pp. 568-577. ISSN 1993-6788. info
  • SCHLOSSBERGER, Otakar. Out–of–court litigation in the area of the payment cards. In International Small Claims Litigation Workshop. 2012. info
Teaching methods
Lectures in full-time study, tutorials in part-time study. Compulsory lectures participation is 75% in full-time study, compulsory tutorial participation is 60% in part-time study.
Assessment methods
Completion of the course credit: written test, a minimum 60% correct answers. In additon for the part-time study - written answers to questions from the study support. URL
Language of instruction
Czech
Further comments (probably available only in Czech)
The course can also be completed outside the examination period.
Information on the extent and intensity of the course: 12 hodin KS/semestr.
The course is also listed under the following terms Winter 2015, Winter 2016, Winter 2017, Winter 2018, Summer 2020, Summer 2021, Summer 2022, Summer 2023, Summer 2024, Summer 2025.
  • Enrolment Statistics (Winter 2019, recent)
  • Permalink: https://is.vsfs.cz/course/vsfs/winter2019/B_OS