• Tibor Tajti Central European University
Ključne reči: Bankruptcy (Insolvency) Law, Data Protection (Privacy), Recast EU Insolvency Regulation 2015/848, European e-Justice Portal, Interconnected Insolvency Registries, Red Tape, Middle-Ground Systems


Notwithstanding the unprecedented and global prestige that data privacy (or data protection, in Europe) law has gained in the 21st century, comparative analyses of the effects flowing from the intensifying impact of data protection law on bankruptcy (insolvency) law remain unexplored. In addition to canvassing the history and contours of the data protection–bankruptcy law interface, through an empirical com- parison of available court and data protection agency (authority) cases in multiple jurisdictions, this article fills this gap by identifying and exemplifying various modalities through which data protection law interferes with the bankruptcy process or creates tensions between the two branches of law, based on the comparison of available court and data protection authority (agency) cases in Europe (including the United Kingdom), the United States, as well as Canada and China, as middle-ground systems.




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Council of Europe

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European Union

Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regards to the processing of personal data and on the free movement of such data.

Council Regulation (EC) No. 1346/2000 of 29 May 2000 on Insolvency Proceedings, recast by Regulation (EU) 2015/848 of the European Parliament and of the Council of 20 May 2015 on insolvency proceedings.

Directive 2002/58/EC of the European Parliament and of the Council of July 12, 2002 Concerning the Processing of Personal Data and the Protection of Privacy in the Electronic Communications Sector, 2002 O.J. (L 201) 37 (E-Privacy Directive), as amended by the EU telecoms reform package from November 2009.

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United Kingdom

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United States

Federal Level

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State Level


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Illinois’ Biometric Information Privacy Act, 74 ILCS 14, P.A. 95–994, eff. 10 March 2008.



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European Union

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CJEU, Schrems II Case C-311/18 (as of 16 July 2020).


BGH IX ZB 85/08 (5 February 2009).

AG Rockenhausen, Urt. V. 09 August 2016 Az 2C 341/16.


Case NAIH-2087-5/2012/H (March 2012) (in Hungarian language).


Banca VIAS 32760/04 (judgment delivered on 6 November 2007)

Oferta Plus SRL (14385/04 judgment delivered on 12 February 2008).

United Kingdom

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Oakley Smith v. Information Officer, EWHC 2485 (Ch), 2013 WL 3994837 (2013).

London Oil and Gas Ltd (In Administration), [2019] EWHC 3675.

Green v SCL Group Ltd [2019] EWHC 954 (Ch); [2019] B.P.I.R. 833; [2019] 4 WLUK 301 (Ch D).

Dawson-Damer v. Taylore Wessing LLP, [2020] EWCA Civ 352, 2020 WL 01158643.

United States

Federal Level

Maxwell Communication Corp. v. Sociètè Gènèrale 93 F.3d 1036 (US Court of Appeals, 2nd Cir., 1996).

In re Toysmart.com Inc. LLC, No. 00-13995 (Bankr. D. Mass., Aug. 17, 2000).

In Re Solidus Network WL 8462968 (2008).

In Re Joyce 399 B.R. 382 (Bkrtcy.D.Del. 2009).

In re Ceasars, 2015 U.S. Dist. LEXIS 137235.

In Re Borders Group, Inc. [453 B.R. 477, Bankr. S.D.N.Y. 2011].

United States v. Pivaroff, No. 2:13-cv-01498-APG-PAL (26 August 2015, U.S. Dist.C. Nevada).

In re Old BPS US Holdings, Inc., No. 16-12373 (Bankr. D. Del. Feb. 1, 2017).

Heard v. Becton 440 F.Supp. 3d 960 (2020).

In Re Chapman 2021 WL 1346046, 6+, Bkrtcy.E.D.Wis.

In Re Buppelmann 269 B.R. 341 (Bkrtcy.M.D.Pa. 2001)

In Re Ploetz 2022 WL 190429 (Bkrtcy.E.D.Wis.).

Federal Trade Commission v. Toysmart.com Inc., No. 00-11341-RGS (21 Aug. 2023).

Chasom Brown, et al. v. Google LLC, Case No: 4:20-cv-3664-YGR [US District Court, N.D. California, 7th Aug 2023].

State Level

In Re Blackwell, 263 B.R. 505 (W.D. Tex. 2000).


Buyse, A., CJEU Rules: Draft Agreement on EU Accession to ECHR Incompatible with EU Law, ECHR Blog 2014/12/20 (blog text no longer available online as of 15 August 2022).

European e-Justice Portal, general information on insolvency law and insolvency registers of the Member States (https://e-justice.europa.eu/110/EN/bankruptcy_and_insolvency_registers, 16. 10. 2023).

Rosenkotter, E., Wutscher, M., 2022, Fifth State in the Union Becomes Fifth State to Enact Data Private Legislation, InsideARM, 17 May, (https://www.insidearm.com/news/00048260-fifth-state-union-becomes-fifth-state-ena/, 16. 10. 2023).

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Garry, M., 2008 Biometric Payment Ends after Vendor Files Bankruptcy, Supermarket News, 31 March, (https://www.supermarketnews.com/technology/biometric-payment-ends-after-vendor-files-bankruptcy, 16. 10. 2023).

One Trust Data Guidance, 2023, China - Data Protection Overview, October, (https://www.dataguidance.com/notes/china-data-protection-overview, 16. 10. 2023).

Parliament of Canada, An Act to enact the Consumer Privacy Protection Act, the Personal Information and Data Protection Tribunal Act and the Artificial Intelligence and Data Act and to make consequential and related amendments to other Acts (https://www.parl.ca/legisinfo/en/bill/44-1/c-27, 16. 10. 2023).

Zheng, C., 2018, Xiaoming court-ordered to refund bike deposits, China Daily, 23 March, (https://global.chinadaily.com.cn/a/201803/23/WS5ab474bda3105cdcf6513d22.html, 9. 9. 2023).

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