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Consumer protection insurance

Each year the global economy adds an estimated 150 million new consumers of financial services. Most are in developing countries, where consumer protection and financial literacy are still in their infancy. Protecting the interests of consumers has become an important component of sound and competitive financial markets, particularly in those countries that have moved from state planning to market economies. The public in many emerging markets lacks a history of using sophisticated financial products. Even in well-developed markets, weak consumer protection and a lack of financial literacy can render households vulnerable to unfair and abusive practices by financial institutions as well as financial frauds and scams operated by intermediaries. At its heart, the need for consumer protection arises from an imbalance of power, information and resources between consumers and their financial service providers, most often placing consumers at a disadvantage (although information asymmetries can run in the opposite direction as well). Consumer protection aims to address this market failure. Financial institutions know their products well but individual retail consumers may find it difficult or costly to obtain sufficient information on their financial purchases.