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• M25103 - The Revised Consumer Credit Directive Explained (Online)

  • When
    27 Nov 2025
  •  
    09:30 - 11:30
  • Location
    Online Webinar

  Register

  Registration Time: 09:15
  Sessions Time: 09:30 - 11:30  no break
  Speaker: Dr Mariosa Vella Cardona
  Venue:   Online Webinar

  Participation Fees 
  MIA Members: €28.00

  Non-MIA Members: €50.00

  Retired Members: €15.00

  Students: €20.00

  *Group bookings for 3 or more participants available.

  BACKGROUND INFORMATION

  Personal loans, overdrafts and short-term credit products are amongst the most common products offered by banks and financial institutions and availed of by consumers. The provision of such products is regulated by an ad hoc EU directive as transposed into national law. This directive has now undergone a substantial overhaul, with Member States obliged to transpose the revised directive into national law by 20 November 2025. This session will focus on these salient changes as impacting not only consumers and the banking industry itself, but also other creditors such as merchants or businesses offering their customers deferred payment options for goods and services.

  SPECIFIC TOPICS TO BE COVERED DURING THE SESSION

  The regulation of consumer credit agreements, with a focus on the latest regulatory developments on the subject-matter.
  

  Why is the session of relevance to our members?

  As consumers, this session will highlight the rights and obligations ensuing from the revamped regulatory framework dealing with consumer credit and what we, as consumers, should expect when entering into such agreements. As professionals who deal with banks and financial institutions on behalf of clients, this session will highlight the rights and obligations of both lenders and consumers as emanating from the revamped EU directive.

  Target Audience

  • All professionals, of specific interest to those working in the banking industry or dealing on behalf of clients with banks and financial institutions.

  • Consumer associations.

  • Public at large.

  Speakers's Profile

  Dr. Mariosa Vella Cardona is a Maltese warranted lawyer who further specialised in European and Comparative law. She leads her own private practice, providing consultancy services as well as training in various areas requiring expertise in EU laws and policies. In the course of her career, Dr. Vella Cardona has occupied various roles including that of Deputy Chairperson of the Board of Governors of the Malta Competition and Consumer Affairs Authority, member of the National Commission for the Promotion of Equality as well as that of Deputy Secretary General of the Malta Bankers’ Association, amongst others. Her portfolio includes private companies and professional bodies to which she provides general legal support in, amongst others, competition and consumer law, data protection matters, employment law, drafting and vetting of commercial contracts and other. Dr. Vella Cardona is regularly engaged as a national expert by European firms to participate in EU tenders relating to the transposition or implementation of EU laws in Malta.
  

  EVeNT CPE COMPETENCies

  
  

  2  Core

  
  

  WEBINARS TERMS AND CONDITIONS

  Terms and conditions  apply

  
  

  DISCLAIMER

  By Registering and/or Booking for this event, you agree that MIA will collect your information which will be using it in accordance with its Privacy Notice available at the following link.

  Please note that all webinars are recorded by the MIA. Such recordings will be retained by the MIA for internal use.

  Show details
• M25107 - Maltese Anti-Avoidance Legislation (Online)

  • When
    10 Dec 2025
  •  
    13:30 - 16:45
  • Location
    Online Webinar

  Register

  Registration Time: 13:15
  Sessions Time: 13:30 - 16:45 including a 15-minute break
  Speaker: Dr Robert Attard
  Venue:   Online Webinar

  Participation Fees 
  MIA Members: €40.00
  Non-MIA Members: €75.00
  Retired Members: €20.00
  Students: €30.00

  *Group bookings for 3 or more participants available.

  BACKGROUND INFORMATION

  The webinar will discuss local anti-avoidance legislation discussing it in the context of local and international case-law. The webinar will take the audience through anti-avoidance legislation contained in the Income Tax Acts and the VAT Act. Legislation transposing ATAD (including recent developments) will be discussed too.

  SPECIFIC TOPICS TO BE COVERED DURING THE SESSION

  • Evasion, Avoidance, Mitigation

  • Local Case Law

  • CJEU Case Law

  • Anti-Avoidance Provisions in the Income Tax Acts

  • ATAD

  • Anti-Avoidance Provisions in the VAT Act

  Why is the session of relevance to our members?

  This webinar is essential for accountants, auditors and other finance professionals who need to stay ahead of evolving anti-avoidance legislation. A strong understanding of both local and EU-level rules, together with relevant case law is critical to ensure compliance and avoid disputes.

  Target Audience

  Accountants, Auditors, Lawyers

  Speaker's Profile

  Robert is  EY Malta's Tax Leader, a tenured senior lecturer at the University of Malta and a member of the European Association of Tax Law Professors. In the 2015-2017 IBFD General Report on the Protection of Taxpayers’ Rights, Robert was described as a well-known authority broadly experienced in the practical protection of taxpayers’ rights and a prominent member of the legal practice. In Malta, Robert argued cases at all levels arguing a suite of Constitutional cases (the Geranzi Case m, the Angelo Zahra Case and others) that have led to a paradigm shift relating to the legal classification of administrative penalties. He submitted arguments in the ECtHR Grand Chamber Case of Lekic v. Slovenia and forms part of the Supervisory Council of the Observatory for Taxpayers’ Rights. In 2021, the EATLP invited him to draft its submissions to the EU Commission relating to EU taxpayer protection. Having served as a panelist at the 2015 IFA Congress, he formed part of a study group of the International Law Association on the “Protection of Taxpayers’ Rights” (co-chaired by Advocate General Juliane Kokott and Pasquale Pistone). Robert is a published author on tax law publishing articles in European Taxation, EC Tax Review, World Tax Journal and the British Tax Review. Robert’s books on Maltese taxation have been cited by the Administrative Review Tribunal and the Court of Appeal (including especially the Paul Ciantar Case and Case 27/18VG involving the taxation of highly mobile workers). Robert’s most recent publication is Taxation at the European Court of Human Rights co-authored with former ECtHR judge Pinto de Albuquerque (Wolters Kluwer Law 2023). 

  EVeNT CPE COMPETENCies

  
  

  3  Professional

  
  

  WEBINARS TERMS AND CONDITIONS

  Terms and conditions  apply

  
  

  DISCLAIMER

  By Registering and/or Booking for this event, you agree that MIA will collect your information which will be using it in accordance with its Privacy Notice available at the following link.

  Please note that all webinars are recorded by the MIA. Such recordings will be retained by the MIA for internal use.

  Show details