Market Integration Through Data Protection

An Analysis of the Insurance and Financial Industries in the EU

  • Mario Viola de Azevedo Cunha

Part of the Law, Governance and Technology Series book series (LGTS, volume 9)

Table of contents

About this book


In the context of the continuous advance of information technologies and biomedicine, and of the creation of economic blocs, this work analyzes the role that data protection plays in the integration of markets. It puts special emphasis on financial and insurance services.  Further, it identifies the differences in the data protection systems of EU member states and provides some recommendations for the upcoming review of the EU Data Protection Framework. Divided into four parts, the book starts out with a discussion of the evolution of the right to privacy, focusing on the last few decades, and taking into account the development of new technologies.  The second part discusses the interaction between data protection and specific industries that serve as case studies: insurance, banking and credit reporting. The focus of this part is on generalization and discrimination, adverse selection and the processing of sensitive and genetic data. The third part of the book presents an analysis of the legislation of three EU Member States (France, Italy and UK). Specific elements of analysis that are compared are the concepts of personal and anonymous data, data protection principles, the role of the data protection authorities, the role of the data protection officer, data subjects’ rights, the processing of sensitive data, the processing of genetic data and the experience of the case studies in processing data. The book concludes by proposing recommendations aiming at increasing the level of harmonisation at the EU level and at fostering the creation of a single market for the industries which use personal information as an important raw material for their activities, taking into account the different levels of data protection that exist in EU member states.


Council of Europe Convention 108/1981 Data Protection and Banking Data Protection and Credit Reporting Industries Data Protection and Insurance Data Protection in Mercosur General Data Protection Directive Harmonisation in the Post Lisbon Era Processing of Genetic Data Processing of Personal Data by Banks Processing of Personal Data by Credit Information Suppliers Processing of Personal Data by the Insurance Industry Processing of Sensitive Data Protection of Personal Data Systems of Data Protection in the EU The European Union Data Protection Framework The Right to Privacy

Authors and affiliations

  • Mario Viola de Azevedo Cunha
    • 1
  1. 1.Ipanema, Rio de JaneiroBrazil

Bibliographic information

  • DOI
  • Copyright Information Springer Science+Business Media Dordrecht. 2013
  • Publisher Name Springer, Dordrecht
  • eBook Packages Humanities, Social Sciences and Law
  • Print ISBN 978-94-007-6084-4
  • Online ISBN 978-94-007-6085-1
  • Series Print ISSN 2352-1902
  • Series Online ISSN 2352-1910
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