Ombudsmann-Tätigkeitsbericht 2015
„Letztes Jahr haben wir am Abgrund gestanden, doch dieses Jahr haben wir einen großen Schritt voran gemacht“ – Richtig verstanden – bzw. gegangen – taugt der Satz durchaus als eine Überschrift des Tätigkeitsberichts 2015 des Ombudsmanns der privaten Banken.
„Letztes Jahr haben wir am Abgrund gestanden, doch dieses Jahr haben wir einen großen Schritt voran gemacht“ – Richtig verstanden – bzw. gegangen – taugt der Satz durchaus als eine Überschrift des Tätigkeitsberichts 2015 des Ombudsmanns der privaten Banken.
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6<br />
Summary of the Ombudsman’s Report <strong>2015</strong><br />
6.1 The private commercial banks’<br />
Ombudsman Scheme in Germany and<br />
Europe<br />
New legal framework<br />
Consumer Disputes in May 2013, the main German<br />
legislation implementing it, the Consumer Dispute<br />
Resolution Act (Verbraucherstreitbeilegungsgesetz), was<br />
debated in <strong>2015</strong> before largely coming into force on 1<br />
April 2016. This law meant that out-of-court dispute<br />
resolution was finally introduced cross-sectorally in all<br />
The Ombudsman’s Report 2014 was dominated by the<br />
member states.<br />
flood of complaints triggered by the German Federal<br />
Court of Justice ruling on consumer loan processing<br />
fees. While meeting this quite exceptional challenge<br />
had a considerable impact on <strong>2015</strong> as well, other issues<br />
came to the fore again in the course of the year – first<br />
and foremost, preparation for implementation of a<br />
gradually established legal framework for the outof-court<br />
dispute resolution schemes in the European<br />
Union and in Germany. Following the adoption of<br />
the EU Directive on Alternative Dispute Resolution for<br />
The banking industry is, however, subject to special<br />
provisions that take precedence over the Consumer<br />
Dispute Resolution Act. On the basis of Section 14<br />
of the Injunctions Act (Unterlassungsklagengesetz), a<br />
draft Financial Dispute Resolution Schemes Regulation<br />
(Finanzschlichtungsstellenverordnung) was presented<br />
in mid-June 2016. This regulation deals with the<br />
requirements for formal recognition of out-of-court<br />
dispute resolution schemes in the financial sector and is<br />
At a glance – a chronology of measures establishing the legal framework for consumer dispute resolution<br />
May 2013<br />
May 2013<br />
November <strong>2015</strong><br />
January 2016<br />
February 2016<br />
April 2016<br />
April 2016<br />
June 2016<br />
EU Directive<br />
on Alternative<br />
Dispute<br />
Resolution<br />
for Consumer<br />
Disputes<br />
EU Regulation<br />
on Online<br />
Dispute Resolution<br />
(ODR)<br />
for Consumer<br />
Disputes<br />
German<br />
Regulation on<br />
Information<br />
and Reporting<br />
Requirements<br />
under the<br />
Consumer<br />
Dispute Resolution<br />
Act<br />
ODR Regulation<br />
comes<br />
into force and<br />
thus information<br />
requirements<br />
under<br />
Article 14 (1)<br />
and (2) of the<br />
ODR Regulation<br />
apply<br />
European<br />
Commission’s<br />
ODR platform<br />
effectively<br />
launched<br />
German<br />
Consumer<br />
Dispute Resolution<br />
Act<br />
largely comes<br />
into force<br />
German private<br />
commercial<br />
banks’<br />
Ombudsman<br />
Scheme<br />
applies until<br />
its formal<br />
recognition as<br />
a consumer<br />
dispute resolution<br />
scheme;<br />
Section<br />
14 (3) of the<br />
Injunctions<br />
Act<br />
Draft German<br />
Financial<br />
Dispute<br />
Resolution<br />
Schemes<br />
Regulation<br />
70 <strong>Tätigkeitsbericht</strong> <strong>2015</strong>
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