Consumer Theories of Harm: An Economic Approach to Consumer Law Enforcement and Policy Making

Preface\nTable of Contents\nList of Abbreviations\nList of Figures and Tables\nTable of Cases\nTable of Legislation\n1. Introduction\n	I. The Search for Fairness\n	II. Origins of Theories of Harm in Competition Law\n	III. Using Theories of Harm in Consumer Law - A Natural Evolution\n	IV. Harnessing the Use of Economics in Consumer Law\n	V. Contents\n2. The Limitations of Consumer Law in Tackling Consumer Harm\n	I. Introduction\n	II. Limitations in the Use of Information as a Mainstream Transparency Approach\n	III. Limitations of the Definition of the \'Average Consumer\' Used as a Reference Point for Protection\n	IV. Implementation of the \'Average Consumer\' Standard under the Unfair Commercial Practices Legislation\n	V. Protecting \'Vulnerable\' and \'Disengaged\' Consumers\n	VI. Limitations Found in Unfair Terms Legislation\n	VII. The Enforcement Framework in the UK\n3. The Limitations of Competition Law in Tackling Consumer Harm\n	I. Introduction\n	II. Ex-Post Enforcement against Exploitative Abuses\n	III. The Case for a Holistic Approach under an Ex Ante Administrative Market Regime\n	IV. The Enforcement Framework in the UK\n4. The Economic Framework Underpinning Consumer Theories of Harm\n	I. Introduction\n	II. Consumer Surplus\n	III. The Economic Case for Intervention in Consumer Markets\n	IV. Concluding Remarks\n5. Archetypal Consumer Theories of Harm\n	I. Introduction\n	II. The Scam\n	III. The Lemon\n	IV. The Shock\n	V. The Subsidy\n	VI. Concluding Remarks\n6. Applying CToHs - Case Studies\n	I. Case Study on the CMA Market Inquiry into Retail Energy\n	II. Case Study on Bank Current Accounts and Savings Accounts\n	III. Case Study on Claims for Compensation in the Airline Industry\n	IV. Case Study on Allocated Airline Seating\n	V. Case Study on Fertility Add-Ons\n7. Fairness by Design: The Introduction of a Positive Duty to Trade Fairly\n	I. Introduction\n	II. Justifications for Adopting a More Prescriptive Standard of Conduct for the Protection of Consumers\n	III. Introducing a Positive Duty to Trade Fairly\n	IV. The Impact of a General and Positive Duty to Trade Fairly\n	V. Conclusion\nBibliography\nIndex