Financial Firms Use Behavioural Insights Systematically, Regulators Episodically: The Disconnect that Undermines Consumer Protection - Journal of European Consumer and Market Law View Financial Firms Use Behavioural Insights Systematically, Regulators Episodically: The Disconnect that Undermines Consumer Protection by - Journal of European Consumer and Market Law Financial Firms Use Behavioural Insights Systematically, Regulators Episodically: The Disconnect that Undermines Consumer Protection 15 4 Journal of European Consumer and Market Law