Compliance Archive : Compliance & Recht

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ECJ: Banks must first reimburse unauthorised debits for phishing victims

From horak lawyersPublished on 19 October 2026Contribution posted in GeneralTagged with Art. 72 PSD2, Art. 73 PSD2, Art. 74 PSD2, Banking liability, Bank law, Complaint management, Prevention of fraud, C-70/25, Compliance, Compliance Management, Compliance processes, Obligation to refund, Court of Justice, Financial service providers, Fraud Prevention, gross negligence, Liability for payment fraud, Account security, Customer rights, Evidence requirements, Unauthorised payment transactions, Online banking, Online fraud, Phishing, Phishing fraud, PSD2, Risk management, Refund, Tukowiecka, Consumer protection, Payment Services Directive, Payment service providers, Payments lawNo comments

Judgment of the European Court of Justice of 15 October 2026 – C-70/25, Tukowiecka Banks and other payment service providers may not refuse or delay the reimbursement of unauthorized payment transactions solely because they accuse the customer of gross negligence. The European Court of Justice (ECJ) has clarified this in the case of Tukowiecka. The decision is particularly relevant to complaint management, fraud prevention and [...]

Common sense and compliance manual

From horak lawyersPublished on 14 January 2026Contribution posted in GeneralTagged with Compliance, Compliance in everyday life, Compliance Management, Compliance culture, Corporate Compliance, Decision-making ethics, Common sense, Integrity in the Company, Standard conformity, Risk prevention, Business ethics, Business culture, Good governanceNo comments

Herr Weber hält das neue Compliance-Handbuch in den Händen. Zwei Zentimeter dick, sauber gebunden, voller Verweise auf Richtlinien, Prozesse und Zuständigkeiten. Er blättert, nickt, seufzt. „Eigentlich logisch“, denkt er. Und genau damit beginnt die Geschichte vom gesunden Menschenverstand im Unternehmensalltag. Wenn Regeln alles erklären, aber nichts verhindern Am Montagmorgen steht Herr Weber vor einer Entscheidung, […]

Risk in compliance law

From horak lawyersPublished on 3 April 2024Contribution posted in General, Supervisory Board, Bank law, CMS, Compliance Department, Compliance audit, Compliance Officer, Compliance brakes, Compliance Recommendations, Compliance Management, Compliance Management System, Compliance reporting system, Compliance Officer, Compliance risks, Compliance sanctions, Compliance strategy, Compliance objectives, Compliance principles, Compliance management systems, Compliance Management System, Compliance Officer, Compliance process, Compliance rules, digital library, Specialist lawyer, Specialist lawyers, Financial compliance risks, Functional dimension, Money laundering law, Managing Director, Management, Reduction of liability, IDW PS 980 Standard, Information security, Insolvency law, IT compliance, IT security, Java, Competition law, Action, Know-how, Material dimension, Metropolises, Mock Dawn Raids, Morality, Morals, Standards, Emergency compliance, Patent attorneys, Personal dimension, personal data, Philosophy, Product liability law, Lawyers, Risk assessment, Risk assessment, Risk management, Compensation, Harmful software, Vulnerability, Simulated house search, Single Standard, Status analysis, Criminal law, Structured Compliance, Telephone control, Territorial dimension, Transparency Register, Environmental legislation, Uncategorized, Judgments, Association sanctions law, Association sanctions law, Procurement law, Insurance law, Culture of trust, Executive Board, Values, Values, Economically eligible persons, BranchesTagged with Anti-corruption laws, Compliance, Compliance Management, Compliance Officer, Compliance Academy, Compliance specialist, Compliance Officer, Data protection provisions, Data protection law, Specialist lawyer, Specialist lawyers, financial losses; or, international law, Compliance law firm, Competition law, Right, Legal consequences, Lawyer (Germany), Regulatory requirements, Reputation risks, Risk, Monitoring mechanisms, Environmental legislation, Values, Economic criminal lawNo comments

Durch die angemessene Identifizierung und Bewältigung von Compliance-Risiken können Unternehmen nicht nur rechtliche Probleme vermeiden, sondern auch das Vertrauen der Stakeholder stärken und langfristige Nachhaltigkeit sicherstellen. Rechtsanwalt Dipl.-Ing. Michael Horak, LL.M. Das Risiko im Compliance-Recht bezieht sich auf die Möglichkeit, dass ein Unternehmen oder eine Organisation gegen geltende Gesetze, Vorschriften oder interne Richtlinien verstößt. Die […]

Incentives and sanctions as instruments

From horak lawyersPublished on 3 April 2024Contribution posted in Incentives, Pharmaceutical legislation, Audit, Supervisory Board, CMS, Compliance, Compliance Department, Compliance incentives, Compliance audit, Compliance Officer, Compliance Manual, Compliance Recommendations, Compliance Management System, Compliance reporting system, Compliance Officer, Compliance Organisation, Compliance programme, Compliance sanctions, Compliance structure, Compliance principles, Compliance management systems, Compliance measures, Compliance Officer, Compliance process, Compliance rules, Compliance breach, Compliance progress, Data protection, Data protection law, Design protection, digital library, Domain Law, Specialist lawyer, Financial compliance risks, Money laundering law, Management, Company law, Liability law, Information security, Insolvency law, Internal Investigations, International Company Law, IT law, IT contracts, Competition law, Know-how, Design of the CMS, Crisis, Artists, Artist contracts, Material dimension, Metropolises, Mock Dawn Raids, Morality, Morals, Standards, Emergency compliance, Patent attorneys, Personal dimension, personal data, Philosophy, Product liability law, Lawyers, Legal staff, Lawyer, Legal matters, Risk assessment, Risk assessment, Risk management, Compensation, Harmful software, Vulnerability, Simulated house search, Status analysis, Structured Compliance, Territorial dimension, TC law, Transparency Register, Environmental legislation, Uncategorized, Author protection, Judgments, Procurement law, Publishers, Insurance law, Contract design, Executive Board, Competition law, Economically eligible persons, BranchesTagged with Incentives, Compliance, Compliance Management, Compliance Officer, Compliance Officer, Data protection law, Disciplinary measures, Specialist lawyer, Specialist lawyers, Fines, Company law, international law, Competition law, Morality, Right, Lawyer (Germany), Loss of reputation, Risk, Sanctions, Training, Transparent communication, Company, Insurance law, Training measures, Economic lawNo comments

Anreize und Sanktionen sind Instrumente, die im Compliance-Recht eingesetzt werden, um das Einhalten von gesetzlichen Vorschriften, Unternehmensrichtlinien und ethischen Standards zu fördern und sicherzustellen. Sie dienen dazu, Mitarbeiter und Organisationen dazu zu motivieren, sich regelkonform zu verhalten und bei Nichteinhaltung entsprechende Konsequenzen zu ziehen. Wir sind deutschlandweit vertreten. Besuchen Sie unseren Hauptsitz sowie unsere Zweigstellen. […]

Excluding third-party risk

From horak lawyersPublished on 5 December 2023Contribution posted in General, Incentives, Employment law compliance, Supervisory authority, Supervisory Board, Bank law, Advice, Works council, Compliance, Compliance Department, Compliance incentives, Compliance audit, Compliance Officer, Compliance brakes, Compliance Recommendations, Compliance Management, Compliance reporting system, Compliance Officer, Compliance risks, Compliance sanctions, Compliance strategy, Compliance structure, Compliance objectives, Compliance management systems, Compliance Management System, Compliance Officer, Compliance process, Compliance rules, Compliance breach, Data protection, Data protection law, digital library, Specialist lawyer, Specialist lawyers, Financial compliance risks, Functional dimension, Management, Company law, GwG, Liability law, Reduction of liability, IDW PS 980 Standard, Insolvency law, Internal Investigations, International Company Law, IT compliance, IT security, Java, Competition law, Action, Know-how, Design of the CMS, Material dimension, Metropolises, Mock Dawn Raids, Morals, Standards, Emergency compliance, Patent attorneys, Personal dimension, personal data, Product liability law, Lawyers, Risk assessment, Risk assessment, Risk management, Compensation, Vulnerability, Simulated house search, Single Standard, Status analysis, Criminal law, Structured Compliance, Telephone control, Territorial dimension, Transparency Register, Environmental legislation, Uncategorized, Judgments, Association sanctions law, Association sanctions law, Procurement law, Insurance law, Culture of trust, Executive Board, Values, Values, Economically eligible persons, BranchesTagged with Employment law compliance, Bank law, Compliance, Compliance Management, Compliance Officer, Compliance specialist, Compliance Officer, Data protection law, Specialist lawyer, Specialist lawyers, Money laundering law, Company law, Compliance law firm, Competition law, Morality, Right, Risk, Insurance law, Economic law, Economic criminal lawNo comments

Ein Weg, um die Risiken zu ermitteln, zu verhüten, und schließlich zu mindern, ist eine risikoabhängige Due-Diligence-Prüfungen über Geschäftspartner. Rechtsanwalt Dipl.-Ing. Michael Horak, LL.M. Wir sind Fachanwälte. Nutzen Sie eine erste Beratung mit uns. Systematische Untersuchungen und Evaluationen von Konzerngesellschaften gehört zur Prophylaxe eines Unternehmens gegen Compliance-Risiken. Auf Basis der Ergebnisse kann eine Risikosteuerung erfolgen. […]

Can artificial intelligence (AI) help with compliance?

From horak lawyersPublished on 26 October 2023Contribution posted in Audit, CMS, Compliance, Compliance Recommendations, Compliance Management System, Compliance Organisation, Compliance rules, Compliance training, Compliance breach, Data protection, Data security, Document management, Due diligence, Ethical Compliance, Artificial intelligence, Risk assessment, Contract managementTagged with Audit, Compliance, Compliance training, Data protection, Document management, Due diligence, KI, Artificial intelligence, Risk assessment, Contract managementNo comments

Künstliche Intelligenz (KI) kann bei der Einhaltung von Compliance-Richtlinien und -vorschriften effektiv unterstützen. Compliance bezieht sich auf die Einhaltung von Gesetzen, Vorschriften und Unternehmensrichtlinien, und KI kann in verschiedenen Bereichen dazu beitragen: Risikobewertung: KI kann Daten analysieren und Muster erkennen, um Risiken und Verstöße gegen Compliance-Vorschriften frühzeitig zu identifizieren. Dies ermöglicht es Unternehmen, proaktiv Maßnahmen […]

Enjoying corporate privilege

From horak lawyersPublished on 13 September 2023Contribution posted in General, General right of personality, Adequacy of CMS, Employment law compliance, Supervisory authority, Supervisory Board, Advice, CMS, Compliance, Compliance Department, Compliance incentives, Compliance Officer, Compliance Manual, Compliance Recommendations, Compliance Management, Compliance Management System, Compliance Officer, Compliance programme, Compliance verification, Compliance risks, Compliance sanctions, Compliance structure, Compliance principles, Compliance management systems, Compliance measures, Compliance Officer, Compliance rules, Compliance progress, Data protection, Data protection law, digital library, Specialist lawyer, Financial compliance risks, Functional dimension, Money laundering law, Managing Director, Company law, Reduction of liability, IDW PS 980 Standard, Information security, Insolvency law, Internal Investigations, IT security, Java, Competition law, Action, Know-how, Material dimension, Metropolises, Mock Dawn Raids, Morality, Morals, Personal dimension, personal data, Philosophy, Product liability law, Lawyers, Risk management, Compensation, Harmful software, Vulnerability, Simulated house search, Single Standard, Status analysis, Criminal law, Territorial dimension, Transparency Register, Environmental legislation, Uncategorized, Judgments, Association sanctions law, Procurement law, Insurance law, Culture of trust, Executive Board, Values, Values, Economically eligible persons, BranchesTagged with Employment law compliance, Bank law, Compliance, Compliance Management, Compliance Officer, Compliance Academy, Compliance specialist, Compliance Officer, Data protection law, Specialist lawyer, Specialist lawyers, Money laundering law, Company law, international law, Compliance law firm, Competition law, Morality, Right, Lawyer (Germany), Risk, Company, Insurance law, Values, Economic law, Economic criminal lawNo comments

Wir beraten und unterstützen Sie in allen Compliance-Fragen. Aus kartellrechtlicher Perspektive ist eine genaue Beobachtung wichtig für die Einschätzung der Compliance-Risiken. Mit kartellrechtlichen Gefahren steigt die Bedeutung von Compliance. Rechtsanwalt Dipl.-Ing. Michael Horak, LL.M. Vereinbarungen zwischen Wettbewerbern verboten Das Kartellrecht verbietet wettbewerbsbeeinträchtigende Vereinbarungen zwischen Wettbewerbern wie Absprachen über Preise, Preisänderungen und Kalkulationen sowie über das […]

The various jurisdictions of compliance

From horak lawyersPublished on 21 August 2023Contribution posted in General, Incentives, Employment law compliance, Supervisory Board, Bank law, Advice, Works council, Compliance audit, Compliance Officer, Compliance Manual, Compliance Recommendations, Compliance Management, Compliance Management System, Compliance Organisation, Compliance programme, Compliance verification, Compliance strategy, Compliance structure, Compliance principles, Compliance management systems, Compliance Management System, Compliance process, Compliance rules, Compliance breach, Data protection, Specialist lawyer, Specialist lawyers, Financial compliance risks, Money laundering law, Company law, GwG, Liability law, Reduction of liability, IDW PS 980 Standard, Information security, Insolvency law, Internal Investigations, International Company Law, IT compliance, IT security, Java, Competition law, Action, Know-how, Design of the CMS, Crisis, Material dimension, Metropolises, Mock Dawn Raids, Morality, Morals, Standards, Emergency compliance, Patent attorneys, Personal dimension, personal data, Philosophy, Product liability law, Lawyers, Risk assessment, Risk assessment, Risk management, Compensation, Harmful software, Vulnerability, Simulated house search, Single Standard, Status analysis, Criminal law, Structured Compliance, Telephone control, Territorial dimension, Transparency Register, Environmental legislation, Uncategorized, Judgments, Association sanctions law, Association sanctions law, Procurement law, Insurance law, Culture of trust, Executive Board, Values, Values, Economically eligible persons, BranchesTagged with Employment law compliance, Bank law, Compliance, Compliance Management, Compliance Officer, Compliance Academy, Compliance specialist, Compliance Officer, Data protection law, Specialist lawyer, Specialist lawyers, Money laundering law, Company law, international law, Compliance law firm, Competition law, Morality, Right, Lawyer (Germany), Risk, Company, Insurance law, Values, Economic law, Economic criminal lawNo comments

Wir beraten und unterstützen Sie in allen Compliance-Fragen. Die Gestaltung eines wirksamen Compliance-Management-Systems beinhaltet diverse Rechtsgebiete innerhalb eines Unternehmens. Rechtsexperten mit unterschiedlichen Schwerpunkten haben Erfahrung mit den entscheidenden Fragestellungen in den folgenden Compliance-relevanten Rechtsbereichen: Dabei versteht es sich von selbst, dass wir nach der Identifizierung der Risiken, die rechtlichen Maßnahmen eines Compliance-Management-Systems für Ihre konkrete […]

Information and communication required

From horak lawyersPublished on 12 June 2023Contribution posted in General right of personality, Adequacy of CMS, Incentives, Supervisory authority, Supervisory Board, Bank law, Advice, Works council, CMS, Compliance, Compliance Department, Compliance incentives, Compliance audit, Compliance Officer, Compliance brakes, Compliance Recommendations, Compliance Management, Compliance Management System, Compliance reporting system, Compliance Officer, Compliance Organisation, Compliance programme, Compliance verification, Compliance risks, Compliance strategy, Compliance structure, Compliance objectives, Compliance principles, Compliance management systems, Compliance Management System, Compliance measures, Compliance Officer, Compliance process, Compliance rules, Compliance breach, Compliance progress, Data protection, Data protection law, digital library, Specialist lawyer, Specialist lawyers, Financial compliance risks, Money laundering law, Managing Director, Management, Company law, GwG, Liability law, Reduction of liability, IDW PS 980 Standard, Information security, Insolvency law, International Company Law, IT compliance, IT security, Java, Competition law, Action, Know-how, Design of the CMS, Crisis, Material dimension, Metropolises, Morality, Morals, Standards, Emergency compliance, Patent attorneys, Personal dimension, personal data, Philosophy, Product liability law, Lawyers, Risk assessment, Risk management, Compensation, Harmful software, Vulnerability, Simulated house search, Single Standard, Status analysis, Criminal law, Structured Compliance, Telephone control, Territorial dimension, Transparency Register, Environmental legislation, Uncategorized, Judgments, Association sanctions law, Association sanctions law, Procurement law, Insurance law, Culture of trust, Executive Board, Values, Values, Economically eligible persons, BranchesTagged with Employment law compliance, Bank law, Compliance, Compliance Management, Compliance Officer, Compliance Academy, Compliance specialist, Compliance Officer, Data protection law, Specialist lawyer, Specialist lawyers, Money laundering law, Company law, international law, Compliance law firm, Competition law, Morality, Right, Lawyer (Germany), Risk, Company, Insurance law, Values, Economic law, Economic criminal lawNo comments

Die Fähigkeit eines Unternehmens, sich an geltende Gesetze, Richtlinien und freiwillige Grundsätze zu halten, spiegelt sich in seiner Reputation wider. Wir bieten Compliance-Schulungen an. Rechtsanwalt Dipl.-Ing. Michael Horak, LL.M. Vom Seminar für Einsteiger bis zur Schulung auf dem Weg zur Compliance-Fachkraft bieten wir verschiedene Level an. Die wiederkehrende Schulung der Mitarbeiter sowie interne als auch […]

Monitor and improve CMS

From horak lawyersPublished on 25 April 2023Contribution posted in General, Adequacy of CMS, Incentives, Employment law compliance, Supervisory authority, Supervisory Board, Bank law, Advice, Works council, CMS, Compliance, Compliance Department, Compliance incentives, Compliance audit, Compliance Officer, Compliance brakes, Compliance Manual, Compliance Recommendations, Compliance Management, Compliance Management System, Compliance reporting system, Compliance Officer, Compliance Organisation, Compliance programme, Compliance verification, Compliance risks, Compliance sanctions, Compliance strategy, Compliance structure, Compliance objectives, Compliance principles, Compliance management systems, Compliance Management System, Compliance measures, Compliance Officer, Compliance process, Compliance rules, Compliance breach, Compliance progress, Data protection, Data protection law, digital library, Specialist lawyer, Specialist lawyers, Financial compliance risks, Functional dimension, Money laundering law, Managing Director, Management, Company law, GwG, Liability law, Reduction of liability, IDW PS 980 Standard, Information security, Insolvency law, Internal Investigations, International Company Law, IT compliance, IT security, Java, Competition law, Action, Know-how, Design of the CMS, Crisis, Material dimension, Metropolises, Mock Dawn Raids, Morality, Morals, Standards, Emergency compliance, Patent attorneys, Personal dimension, personal data, Philosophy, Product liability law, Lawyers, Risk assessment, Risk assessment, Risk management, Compensation, Harmful software, Vulnerability, Simulated house search, Single Standard, Status analysis, Criminal law, Structured Compliance, Telephone control, Territorial dimension, Transparency Register, Environmental legislation, Uncategorized, Judgments, Association sanctions law, Association sanctions law, Procurement law, Insurance law, Culture of trust, Executive Board, Values, Values, Economically eligible persons, BranchesTagged with Employment law compliance, Bank law, Compliance, Compliance Management, Compliance Officer, Compliance Academy, Compliance specialist, Compliance Officer, Data protection law, Specialist lawyer, Specialist lawyers, Money laundering law, Company law, international law, Compliance law firm, Competition law, Morality, Right, Lawyer (Germany), Risk, Company, Insurance law, Values, Economic law, Economic criminal lawNo comments

Wir sind deutschlandweit vertreten. Besuchen Sie unseren Hauptsitz sowie unsere Zweigstellen. IDW PS 980 ist die laufende Überwachung und Verbesserung des Compliance-Management-System (CMS). Angemessenheit und Wirksamkeit des CMS werden überwacht. Eine ausreichende Dokumentation des CMS ist für die Überwachung erforderlich. Ist das Compliance-Management-System angemessen und zeitgemäß? Funktioniert es noch? Das sind die Fragen, die sich […]