Overview

One of the main questions pertaining to policy interventions in consumer policy nowadays is: what to do with behavioural insights? It is that question that this research aims to answer, presenting a systematic research method for assessing policy questions from an economic and a behavioural economic perspective. Policy makers, practitioners and academics alike can draw relevant insights from the application of behavioural economics to policy. By focusing upon the issue of standardised consumer contract terms, this research exemplifies how behavioural insights can improve consumer policy. The common core in European legal systems regarding standard terms consumer policies is reviewed, which leads to the conclusion that policy makers should look beyond information disclosure and consumer vigilance. This shift in policy focus constitutes insight that would not have resulted but for the application of behavioural insights to the issue of standard terms in consumer contracts.

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Dr. Luth LL.M. holds degrees both in Law as in Economics (Erasmus University of Rotterdam) and the European Master in Law and Economics from the universities of Bologna (Italy), Ghent (Belgium), and the Erasmus University of Rotterdam (The Netherlands), attending also the University of California at Berkeley. She received her Doctorate for an earlier version of this book in May 2010 in the Erasmus Mundus Doctoral program European Doctorate in Law and Economics . Currently, Dr. Luth is working at Policy Research Corporation, at which she consults mainly the public sector on various policy issues.

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