TechREG Chronicle

Dear Readers,   Privacy has long been treated as a matter of individual rights and compliance obligations. Yet as digital markets mature, debates over privacy increasingly intersect with questions of...

Data – in particular our data – is what makes the world go round, both so far as state and non-state actors are concerned. There is growing unease about the...

Modern AI systems infer underlying traits, combine signals across contexts, and generate outputs that can affect prices, rankings, access, and treatment in ways that are difficult to foresee at the...

This article examines one of the most contested areas of modern data breach litigation: claims based on an alleged risk of future economic harm. The authors assess both the legal...

This article challenges the conventional view that privacy debates are primarily about limiting firms' access to consumer data. Instead, the author argues that the economic significance of personal information lies...

Consumer behavior evidence plays an increasingly important role in privacy litigation and regulatory proceedings, where courts and agencies are often asked to draw conclusions from consumers’ interactions with digital products,...

Privacy law evaluates consent one prompt at a time. On digital platforms that view is incomplete: users meet repeated requests through a shared interface, and each choice can shift the...

The digital advertising industry relies on extensive behavioural profiling, a practice that the EU General Data Protection Regulation (“GDPR”) sought to constrain in order to protect privacy. This paper examines...

Dear Readers,   “Buy Now, Pay Later” (“BNPL”) has moved from fintech curiosity to embedded infrastructure in modern consumer markets, quietly reshaping how credit is extended, priced, and experienced. What...

Buy Now, Pay Later (“BNPL”) in its present form is not subject to most consumer protection regulation. This essay first explores what appropriate BNPL consumer protections might look like. It...

Buy Now Pay Later (“BNPL”) has introduced a new form of rivalry in consumer credit by embedding lending directly into digital payment flows. Rather than competing with banks across the...

This article examines the UK’s decision to bring buy now, pay later (“BNPL”) products within the regulatory perimeter as “Deferred Payment Credit” from July 2026. A central theme of the...