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Consumer Law and Policy Relating to Change of Circumstances Due to the COVID-19 Pandemic

机译：与Covid-19流行病导致的情况变更有关的消费者法律和政策

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摘要

An unprecedented number of consumer problems has been caused by the COVID-19 pandemic, not least with regard to refunds of prepayments and the ability of consumers to keep up their monthly payments under loan and rental agreements. Based on a notion of societal force majeure sketched in this paper, we propose guiding principles in respect of the introduction of moratoria on recurring payments. the use of refunds or vouchers in respect of prepayments, and associated enforcement challenges. This analysis draws on experiences around the globe.
机译：在Covid-19 Pandemery造成的，难以置信的消费者问题是前所未有的消费者问题，而不是关于预付款的退款以及消费者在贷款和租赁协议下保持每月付款的能力。根据本文略有速写的社会责任的概念，我们提出了引导暂停经常付款的引入原则。在预付款方面使用退款或优惠券以及相关的执法挑战。该分析涉及全球经验。

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