An unprecedented number of consumer problems has been caused by the COVID-19 pandemic, not least with regard to refunds of prepayments and the ability of consumers to keep up their monthly payments under loan and rental agreements. Based on a notion of societal force majeure sketched in this paper, we propose guiding principles in respect of the introduction of moratoria on recurring payments, the use of refunds or vouchers in respect of prepayments, and associated enforcement challenges. This analysis draws on experiences around the globe.

中文翻译：

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与COVID-19大流行引起的环境变化有关的消费者法律和政策

COVID-19大流行引起了前所未有的消费者问题，尤其是在预付款的退款以及消费者根据贷款和租赁协议保持每月付款的能力方面。基于本文中概述的不可抗力概念，我们提出了关于暂停执行定期付款，使用预付款项的退款或凭单以及相关的执行挑战方面的指导原则。该分析借鉴了全球经验。