Aspekty ochrony konsumentów UE użytkujących waluty wirtualne

• Authors: Robert Pakla , Piotr Adamczyk

Title variants

EN

Consumer protection in cryptocurrency transactions

Abstracts

EN

The article provides an overview of consumer protection measures designed to ensure the rights of owners and users of virtual currencies. The authors state that there is an ongoing debate in the EU about the legal qualification of virtual currencies as financial instruments. It is contrary to the initial purpose of virtual currencies which was the payment function. The authors attempt to answer the question which EU law should cover the virtual currencies, MIFID2 or PSD2, as the legal qualification will be crucial for consumer rights. They claim that the position adopted by the European legislative should provide the fullest possible scope of consumer protection.

Keywords

EN

European law; PSD2 directive; MIFID2 directive; consumer protection; cryptocurrencies; blockchain

• Publisher: Kancelaria Sejmu / Chancellery of the Sejm
• Journal: Studia BAS
• Year: 2019
• Issue: 1(57)
• Pages: 127-142

Dates

published

2019

Contributors

author

Robert Pakla

• Katolicki Uniwersytet Lubelski im. Jana Pawła II

author

Piotr Adamczyk

• Alior Bank SA

References

• Ametrano F.M., Hayek Money: The Cryptocurrency Price Stability Solution, https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2425270.
• Antonopoulos A.M., Mastering Bitcoin: Unlocking Digital Cryptocurrencies, O’Reilly Media, Sebastopol 2015.
• de Best R., How Many Consumers Own Cryptocurrency?, https://www.statista.com/chart/15137/how-many-consumers-own-cryptocurrency.
• Bollen R., The Legal Status of Online Currencies: Are Bitcoins the Future?, https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2285247.
• Cichorska J., Misselling, czyli sprzedaż niepotrzebnych instrumentów finansowych i jej skutki. Stan prawny w Polsce i Wielkiej Brytanii, https://rf.gov.pl/ru/wp-content/uploads/2017/08/RU24_2.pdf.
• Cyman D., Elektroniczne instrumenty płatnicze a bezpieczeństwo uczestników rynku finansowego, Wolters Kulwer, Warszawa 2013.
• Czarnecki J., Cryptocurrency a financial instrument? A new proposal in the EU, https://newtech.law/en/cryptocurrency-a-financial-instrument-a-new-proposal-in-the-eu/.
• Lemonnier M., Europejskie modele instrumentów finansowych, Warszawa 2017.
• Luther W.J., Cryptocurrencies, network, effects and switiching costs, Contemporarry Economy Policy nr 34, Morgantown 2016.
• Piech K., Leksykon pojęć na temat technologii blockchain oraz kryptowalut, https://www.gov.pl/documents/31305/0/leksykon_pojec_na_temat_technologii_blockchain_i_kryptowalut.pdf/77392774-1180-79ab-4dd5-089ffab37602.
• Srokosz W., Regulacje finansowe. FinTech – nowe instrumenty finansowe – resolution, Warszawa 2017.
• Swan M., Blockchain: Blueprint for a New Economy, O’Reilly Media, Sebastopol 2015.

Identifiers

DOI

10.31268/StudiaBAS.2019.07

Biblioteka Nauki

7485680