This website uses cookies

This website uses cookies to ensure you get the best experience. By using our website, you agree to our Privacy Policy

International In-house Counsel Journal logoInternational In-house Counsel Journal logo
Back to library search

Commercial Communications to Consumers: Concerns and Considerations

Abstract

Whilst marketing departments are one of the main pillars of commercial activity of those companies dealing with consumer clients, our European Union legislators sometimes show a lack of sectorial knowledge as they, to a certain extent, evidence some inability to find the right balance to adequately protect both sides of the marketing activities which do not need to be opposed: on one side, the safe and sound commercial activity which means sustainable economic growth and therefore jobs and sources of income for employees who, on the other hand, purchase goods and contract services of all kinds as final consumers of companies. Companies targeting consumer clients usually invest huge amounts of capital in launching marketing campaigns, and a meaningful part of it is made through commercial electronic communications such as SMS messages, electronic mailing, or either inbound or outbound telephone calls.

Author

Portrait image of Sancho Guibert
Sancho Guibert
Associate General Counsel, Citibank, Spain

Sancho Guibert is a is a dual qualified lawyer (as solicitor in England and Wales and abogado in Spain), working at Citibank for more than 25 years under different roles and currently is a regional counsel for Citi's Legacy Franchises operating segment that primarily consists of the 14 international consumer businesses in Asia, Europe, the Middle East and Mexico that Citi chose to exit as part of its simplification strategy.

Company

Citibank logo

Citibank

Citi is a preeminent banking partner for institutions with cross-border needs, a global leader in wealth management and a valued personal bank in its home market of the United States. Citi does business in nearly 160 countries and jurisdictions, providing corporations, governments, investors, institutions and individuals with a broad range of financial products and services.

Related Papers

Operating in a New Frontier: AI Use Cases, Business Risks, and the Regulatory Policy Outlook
We are living in an era where artificial intelligence (AI), specifically generative AI, is reshaping many facets of our daily lives, from the way we work and communicate, to having...Read more
Portrait image of Muyiwa Odeniyide
Muyiwa Odeniyide
Director & Associate General Counsel, Nasdaq , USA
Safeguarding privacy and fairness: the role of AI in fraud detection and AML within the recent EU legal framework developments
Artificial Intelligence (AI) is playing an increasingly pivotal role in fraud detection and anti-money laundering (AML) efforts, offering enhanced capabilities to identify and prevent illicit activities. This paper explores the...Read more
Portrait image of Enik  Pogace
Enik Pogace
Head of Employee Relations Division , Bank of Albania, Albania
Applicability of Deal Value Threshold in Share Swap Transactions in India
The Competition Commission of India (“CCI”) has embarked on a transformative journey to enhance its merger control framework, with pivotal changes taking effect on 10 September 2024. These reforms arise...Read more
Portrait image of Prateek Sethi
Prateek Sethi
Associate Vice President - Legal, Bharti Airtel Limited, India
Key Issues and Impacts from Notable Enforcement Actions by U.S. Regulators in 2024
This article explores three notable U.S. enforcement actions of 2024 and the key issues and impacts those enforcement actions impart, as we look to 2025 and beyond. In October 2024,...Read more
Portrait image of Elizabeth Fiorelli
Elizabeth Fiorelli
Assistant Adviser of Global Legal and Compliance , Sumitomo Mitsui Trust Bank, Limited, New York Branch, USA