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OECD workshop on consumer protection in online and mobile payments: Summary of discussion
On 15 April 2011, within the framework of its review of the OECD 1999 Guidelines for Consumer Protection in the Context of Electronic Commerce, the OECD Committee on Consumer Policy (CCP) organised a workshop exploring new trends and consumer challenges in online and mobile payments. This report provides a summary of the discussion held among representatives from governments, major e-commerce payment providers and card networks, as well as civil society.
On 13 April 2011, the OECD Committee on Consumer Policy held a roundtable examining key trends and consumer challenges in the purchase of digital content products. The event was organised within the framework of the committee’s review of the OECD 1999 Guidelines for Consumer Protection in the Context of Electronic Commerce. This report provides a summary of the discussion held among representatives from governments, industry, civil society and academia.
The 1999 E-commerce Guidelines continue to provide a sound framework for protecting and empowering consumers in the Internet economy. The rapid development of the Internet, however, requires that policy makers examine emerging issues on an ongoing basis to ensure that consumers are adequately protected and informed. The policy challenges were explored by representatives from governments, business and industry, civil society, academia and international organisations at an OECD Conference hosted by the US Federal Trade Commission on 8-10 December 2009 in Washington, DC.
This report will serve as a background for the discussion at the OECD Conference on E-consumers. It identifies problems and risks of today's internet economy, reviewing the effectiveness of 1999 OECD Guidelines for E-Consumers. In ten years, the e-commerce landscape has transformed considerably, attracting new players often considered as vulnerable (such as children), new forms of transactions (such as C2C, or product rating) and consumer participation through new channels (such as social networking sites), and access to a variety of digital products (such as films, videos, or music).
The Guidelines for Consumer Protection in the Context of Electronic Commerce, are designed to help ensure that consumers are no less protected when shopping online than they are when they buy from their local store or order from a catalogue.
In approving the Guidelines, the Council instructed the CCP to exchange information on progress and experiences in implementing the Guidelines and report to the Council in 2002. This report summarises the results of implementation activities in OECD countries
The Guidelines have had a positive impact on business policies and government action, encouraging better consumer protection in the online arena. The impact was expected to continue in the years ahead as implementation activities continue. To this end, it was decided that further explanation could come in the form of best practice examples as a guidance to governments, businesses and consumers.
The policy guidance calls upon countries to implement effective educational measures to prevent consumers from becoming victims on-line.
Given the growth of online ID theft, many OECD member countries have taken steps to ensure that consumers and Internet users are adequately protected. This measures are discussed in this publication.
On 12 July 2007, OECD Member countries adopted a Recommendation on Consumer Dispute Resolution and Redress to provide governments with a framework to help consumers resolve disputes and settle claims with business. The framework covers disputes in both domestic and cross-border transactions. It was developed to deal with issues arising from the rapid growth in electronic commerce, but it will also benefit consumers making traditional types of purchases.
The OECD Guidelines for Protecting Consumers from Fraudulent and Deceptive Commercial Practices Across Borders, adopted by the OECD Council on 12 June 2003, are designed to help governments work together more effectively to stop cross-border fraud.
In 2008, at the Ministerial meeting on the Future of the Internet Economy, OECD countries declared to work together to promote ubiquitous access to ICT networks and services enabling widespread participation in the Internet Economy.
This report has been developed to support the objectives of the OECD Ministerial Meeting on the Future of the Internet Economy (Seoul 17-18 June 2008). It links the Seoul Ministerial Declaration on the Future of the Internet Economy to the analytical work and policy guidance developed for the Ministerial by the OECD.
Malware attacks are increasing both in frequency and sophistication, thus posing a serious threat to the Internet economy and to national security. This book is a first step toward addressing the threat in a comprehensive, global manner.
The policy guidance aims at ensuring adequate protection of consumer interests in communication services while maintaining an environment that provides incentives to develop new communication services.
The policy guidance lays out the policy responses that need to be in place to ensure that consumers engaging in mobile commerce transactions are adequately informed, and are protected against security or privacy risks.
Mobile commerce is a promising market both for consumers and businesses. However, consumer troubles and complaints are increasing and can sometimes become serious, including issues for minors.
The OECD Anti-Spam Toolkit was developed in the framework of the OECD Task Force on spam and includes a package of recommended policies and measures addressing regulatory approaches, enforcement co-operation, industry driven activities, technical solutions, education and awareness initiatives, spam measures, and international co-operation and exchange.
The growing use of network technologies and the global nature of electronic commerce increase the likelihood that consumers will interact with businesses outside of their home country.
This report analyses the disclosure issues raised by the use of digital rights management and copy control technologies to protect intellectual property rights. It examines the kinds of restrictions that are commonly placed on access or use of protected material (for example, restrictions on making back-ups or private copies) and the disclosures provided to inform consumers about these restrictions.
Digital content is becoming central in research, health, education and social services, knowledge and cultural services and government. It is also stimulating increased participation and creative supply by users. Appropriate policies can increase the contribution of digital content to growth and welfare and spread the benefits more widely.The objective of these principles is to help provide and inform the context for policy discussion, policy analysis, review and development.
This study describes the rapid growth of UCC and its increasing role in worldwide communication, and draws out implications for policy. Questions addressed include: What is user-created content? What are its key drivers, its scope and different forms? What are the new value chains and business models? What are the extent and form of social, cultural and economic opportunities and impacts? What are the associated challenges? Is there a government role, and what form could it take?
This Guidance is intended to reinforce the impact and visibility of the action of the OECD, and the importance of the OECD Privacy Guidelines in the development and implementation of a mix of solutions for ensuring global privacy and the free flow of information.