Rettsinfo
  • Portal
  • Søk
    v
  • Treffliste
  • Min konto
  • Logg på
  • Marcdata
  • RIS
  • Referanse
Tittel:Identity Theft in Consumer Finance: Consent, Contract and Liability : Analysing Rules on Loss Allocation in Norwegian, Estonian and EU Law
Ansvar:Vebjørn Wold og Piia Kalamees
Forfatter:Wold, Vebjørn / Kalamees, Piia
Materialtype:Artikkel - elektronisk
Signatur:Oslo law review
Utgitt:Oslo : Universitetsforlaget, 2025
Omfang:S. 1-18
Serie:Oslo law review ; 2/2025
Emneord:Betalingsbetingelser / Vitenskapelig publikasjon
Stikkord:Direktiv (EU) 2015/2366 - Betalingstjenestedirektivet / Direktiv (EU) 2015/2366 - Artikkel 64 - Betalingstjenestedirektivet / Direktiv (EU) 2015/2366 - Artikkel 73 - Betalingstjenestedirektivet / Direktiv (EU) 2015/2366 - Artikkel 74 - Betalingstjenestedirektivet
Geografiske emneord:Estonia / Norge
Note:Open access, Attribution 4.0 International (CC BY 4.0)
Volume 11 nr. 2.
Bilde og utgaveinformasjonen på Scandinavian University Press samsvarer ikke, pr. 15.06.25.
Innhold:Abstract
Identity theft in financial services is a widespread problem in Europe. Scammers harm consumers and financial institutions by misusing electronic identity systems to access credit and make fraudulent payments. This article examines how private law distributes losses between consumers and financial institutions in such situations. It does so by analysing national private law regarding fraudulent credit contracts in Norway and Estonia, where financial services are highly digitised, and by examining common European rules for unauthorised payments. It is found that questions of contract formation, apparent authority, tort and evidence play key roles in distributing liability for fraudulent credit contracts under national private law. Additionally, these issues intrude on the common European framework on payment fraud through the ʻconsent’ requirement for payments in the second Payment Service Directive Article 64 (1). Given the high prevalence of digital identity fraud in Europe, the interpretation and application of private law and evidentiary rules have significant implications for the level of protection afforded to European consumers in the event of identity theft.

Keywords: electronic identity, fraud, consumer protection, payments
Del av verk:Oslo law review 2/2025

Vedlegg:- Scandinavian University Press
- Juridika