Two important mechanisms of the architecture of consumer protection systemsimultaneously start in Romania: consumer insolvency and alternative disputeresolution for consumer disputes. This study is a comparative critical analysisregarding consumer’s access to these procedures, an essential point for theeffectiveness of the instruments for consumer protection.

The present paper achieves a critique to the absolute protection granted to credit consumers, a constant tendency in the relevant case-law rendered by the Romanian courts within the context of the judicial intervention into the contract for the purpose of repressing the unfair terms and of adapting the foreign currency loan contracts.

The present paper analyses the duty to inform consumers imposed to the banks in the hypothesis of loans granted in CHF, within the context of the umpredicible evolution undergone by this currency. The argument put forward is that the bank is obliged to inform the vulnerable consumers on the foreign currency risk, and the breach of such obligation is the nullity on the basis of fraud consisting of the omission to communicate the necessary infor...