ESF:MKP_PRFI Law and Finance - Course Information

MKP_PRFI Law and Finance

Extent and Intensity

0/0/12. 5 credit(s). Type of Completion: zk (examination).

Teacher(s)

JUDr. Jindřiška Šedová, CSc. (lecturer)
Mgr. Ing. Filip Hampl, Ph.D., LL.M. (lecturer)

Guaranteed by

JUDr. Jindřiška Šedová, CSc.
Department of Law – Faculty of Economics and Administration
Contact Person: Lenka Hráčková
Supplier department: Department of Law – Faculty of Economics and Administration

Timetable

Fri 5. 10. 12:00–15:50 P103, Sat 24. 11. 12:00–15:50 P103, Sat 1. 12. 12:00–15:50 P103

Prerequisites

The course requires basic knowledge and skills in the areas of:
- theory of law,
- company organization,
- basics of business law.
This knowledge can be acquired in the following courses:
Introduction to Law, Corporate Economics and Business Law 1.

Course Enrolment Limitations

The course is offered to students of any study field.

Course objectives

The course is an introduction to the issues connected with the protection of consumers of financial services.

The course comprises four topics.
The introductory part describes the strategy of EU consumer policy and consumer protection in the EU. It also defines the main terms connected with consumer protection.

The second part is concerned with public-law consumer protection in financial markets with special attention paid to the focus of the protection, institutions engaged in the protection system, consumer rights, rules of filing complaints and inducements, and sanctions.

The third part describes the specifics of consumer protection in the main segments of the financial market, with emphasis on explaining the rights of a client to be given information before signing a contract and on an ethical approach when financial services are provided.

The last part introduces rules of asserting and exacting claims of consumers in the financial market using private law – through civil proceedings, insolvency proceedings, and also through out-of-court settlement of the dispute, especially in arbitration, mediation and out-of-court execution.

Learning outcomes

After completing the course students will be able to:

• to orientate the legal framework for the protection of consumers of financial services and to recognize the differences in private or public law
. to clarify the basic theoretical basis of legal regulation of consumer protection on the Czech financial market
. to formulate the basic principles of legal responsibility in the field of consumer protection in individual segments of the financial market
. to make a competent decision to apply the legitimate claims resulting from the legal regulation of the protection of the weaker party in general and of the special consumer
. recognize the advantages or disadvantages of debt recovery by court or extrajudicial way.

Syllabus

• A topic per week.
• 1. Introduction. EU consumer policy. Consumer and consumer protection (defining the term consumer, reasons for consumer protection, principles of consumer protection). Protection of consumers of financial services.1. Introduction. EU consumer policy. Consumer and consumer protection (defining the term consumer, reasons for consumer protection, principles of consumer protection). Protection of consumers of financial services.
• 2. Sources of consumer protection law (principles of consumer protection law pertaining to constitutional law, civil law, administrative law and criminal law).
• 3. Tools of public and private law used in the protection of consumers of financial services. Public-law protection of consumers of financial services. Institutions engaged in the system of consumer protection in the Czech Republic (focus of protection, consumer rights, rules of filing complaints and inducements.
• 4. Consumer protection in the area of provision of services in the financial market (bank deposits and savings services, payments, consumer contracts, consumer credit, building society services, private pension schemes, investment services, insurance).
• 5. Ways of asserting and exacting private-law claims of consumers in the financial market. Creditor claim and its characteristics. Legal regime of a claim. 6. Asserting and exacting claims in civil proceedings.
• 7. Asserting and exacting claims of consumers of financial services in insolvency proceedings. Individual bankruptcy. Rights and obligations of a financial institution in the positions of a creditor and a debtor. Rights and obligations of a consumer in the positions of a creditor and a debtor.
• 8. Asserting and exacting claims of consumers of financial services in out-of-court settlements of disputes. Exacting claims of consumers of financial services in an arbitration.
• 9. Asserting claims of consumers of financial services in a mediation. Advantages of a mediation and the role of the mediator in a mediation.
• 10. Asserting claims of consumers of financial services in an out-of-court execution.
• 11. SOLVIT as a tool of out-of-court exacting of claims that originated in the European Community internal market. Pro výuku předmětu Právo a finance byly vytvořeny interaktivní studijní texty, které naleznete na webovém portálu (pravoesf.econ.muni.cz.) V rámci samostudia a přípravy na seminář doporučujeme seznámit se s příslušnou právní problematikou zpracovanou ve studijních textech. V případě, že budete mít zájem o podrobnější informace, pak lze využít právní informační systém (ASPI), který je přístupný na počítačových učebnách a v knihovně ESF.
• Přístup k ASPI je zajištěn prostřednictvím ikony ASPI na ploše počítače. ASPI je taktéž dostupné na vzdálené ploše přes Internet. Postup je zveřejněn na hlavních webových stránkách ESF.

Literature

required literature
• Šedová, J. Studijní text “Právo a finance”. Terminálový server ESF MU (Návod na připojení na terminálový server je uveden zde: http://www.econ.muni.cz/studenti/cikt/navody-nastaveni/terminalovy-server-aspi nebo http://www.econ.muni.cz/t1736/. Studij

recommended literature
• VACEK, Lukáš. Zákon o spotřebitelském úvěru: komentář. Praha: Wolters Kluver, 2015, 427 pp. ISBN 978-80-7478-776-8. info
• VEČEŘA, Jiří. Ochrana spotřebitele v České republice a Evropské unii : (včetně úpravy podle nového občanského zákoníku 2014), právní stav k 1.1.2013. Vyd. 1. Praha: Leges, 2013, 268 s. ISBN 9788087576342. info
• Foltas, T. Studijní texty „Základy práva", "Správní proces“. ESF MU. Portál výuky právních předmětů ESF: Webová adresa: http://pravoesf.econ.muni.cz/. Informace o přístupových právech k webové aplikaci jsou zveřejněny v IS/Studijní materiály předmětu/Uč
• Zákony: Aktuální seznam bude zveřejněn v ISU/ve Studijních materiálech předmětu.

Teaching methods

Consultation, lectures, self-study, POT

Assessment methods

The course finishes with a written exam. Students are allowed to take the final exam after the following requirements have been met: prescribed seminar attendance. The course is finished with a written exam. To be allowed to take the exam, the students have to attend the seminars and receive positive assessments of the case studies they work on.

Caution:
"Any copying, recording or leaking tests, use of unauthorized tools, aids an communication devices, or other disruptions of objectivity of exams (credit tests) will be considered non-compliance with the conditions for course completion as well as a severe violation of the study rules. Consequently, the teacher will finish the exam (credit test) by awarding grade "F" in the Information System, and the Dean will initiate disciplinary proceedings that may result in study termination."

Language of instruction

Czech

Further comments (probably available only in Czech)

Study Materials
The course is taught annually.
General note: Nezapisují si studenti, kteří absolvovali předmět KPPAFI.
Information on the extent and intensity of the course: konzultace.

• Enrolment Statistics (Autumn 2018, recent)
  
• Permalink: https://is.muni.cz/course/econ/autumn2018/MKP_PRFI