Københavns Universitet
Uafhængig af ledelsen


Surpass IRN - Fair and non-discriminatory access to financial services

Konference — Protection of vulnerable categories of consumers and insuring their undifferentiated access to financial services is at the top agenda of countries around the globe, especially in the context of globalization, increased levels of migration and diversity, integration challenges and economic inequality.


Date & Time:

Faculty of Law, University of Copenhagen, Njalsgade 76, DK-2300 Copenhagen S

Hosted by:
CME - Centre for Market and Economy Law



The conference aims to provide a forum where leading academics and practitioners, researchers, and enforcement officials from multiple jurisdictions join to present and discuss the most recent trends and challenges posed discriminatory practices against vulnerable consumer groups in accessing financial services. Of particular importance for the conference proceedings will be the thin line between the freedom of a business to choose its customers and the various levels of regulation of business activities to ensure equitable and transparent access to services of critical importance.
KEYNOTE SPEAKER: Prof. Chrystin Ondersma (Rutgers University, United States of America)

The conference’ s purpose is to expand legal knowledge by focusing on an overlooked, yet relevant topic of great societal importance, addressing the systemic differences between Europe, US and Asia, and identifying answers to common challenges posed by discrimination of vulnerable consumers in accessing financial services.

There is a thin line between consumer protection rules or regulation of financial institutions’ activities, one the one hand, and the freedom of private entities to conduct business and choose their customers as they deem fit, on the other hand. There is an interplay between laws and regulations affecting business activities for the benefit of vulnerable consumers, and the right to self-regulation of financial institutions. There are various enforcement methods, from administrative to private litigation, from fines to punitive damages, all presenting themselves as solutions to the same problems, each with their advantages and shortcomings. All these aspects gain importance in the current political, economic, and legal context.

Thus, the conference welcomes proposals from scholars whose research focus in financial services, consumer protection, insurance and tort law enable them to address one of the most important challenges of our time: the access to financial services for vulnerable categories of consumers, without hindering business freedom. The conference welcomes both theoretical and empirical legal research, in order to understand and highlight the challenges existing in reality with real life examples.

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