Consumer Protection Regulation Research Articles

Legal accountability and ethical considerations of AI in financial services

Artificial Intelligence (AI) is revolutionizing the financial services industry, offering unparalleled opportunities for efficiency, innovation, and personalized services. However, along with its benefits, AI in financial services raises significant legal and ethical concerns. This paper explores the legal accountability and ethical considerations surrounding the use of AI in financial services, aiming to provide insights into how these challenges can be addressed. The legal accountability of AI in financial services revolves around the allocation of responsibility for AI-related decisions and actions. As AI systems become more autonomous, questions arise about who should be held liable for AI errors, misconduct, or regulatory violations. This paper examines the existing legal frameworks, such as data protection laws, consumer protection regulations, and liability laws, and assesses their adequacy in addressing AI-related issues. Ethical considerations in AI implementation in financial services are paramount, as AI systems can impact individuals' financial well-being and access to services. Issues such as algorithmic bias, transparency, and fairness are critical in ensuring ethical AI practices. This paper discusses the importance of ethical guidelines and frameworks for AI development and deployment in financial services, emphasizing the need for transparency, accountability, and fairness. The paper also examines the role of regulatory bodies and industry standards in addressing legal and ethical challenges associated with AI in financial services. It proposes recommendations for policymakers, regulators, and industry stakeholders to promote responsible AI practices, including the development of clear guidelines, enhanced transparency measures, and mechanisms for accountability. Overall, this paper highlights the complex interplay between AI, legal accountability, and ethical considerations in the financial services industry. By addressing these challenges, stakeholders can harness the full potential of AI while ensuring that it is deployed in a responsible and ethical manner, benefiting both businesses and consumers.

Consumer Protection and Organizers' Responsibilities for Concert Cancellations in Indonesia

This research discusses the legal protection of consumers and the responsibility of event organizers for concerts that are canceled, with a case study of the 2022 Berdendang Bergoyang Festival. Canceled concerts often have a negative impact on consumers and challenge the organizers' legal responsibilities. This research aims to analyze the legal aspects involved in concert cancellations, as well as to evaluate the effectiveness of existing consumer protection regulations. The research method used is normative juridical legal research with a case study approach. The research results show that there is a lack of clarity in the legal framework governing concert cancellations, which can lead to conflict between consumers and organisers. In addition, consumer protection does not yet fully cover event cancellation situations that are beyond the organizer's control. Therefore, it is necessary to improve consumer protection regulations and increase legal awareness among event organizers. This research contributes to understanding the legal dynamics related to concert cancellations and formulating recommendations for improving regulations that can increase consumer legal protection and clarify organizers' responsibilities in dealing with canceled concert situations held.

Analysis of Excise Policy on Sweetened Packaged Drinks (MBDK): Consumer Protection Legal Perspective

This research aims to analyze health policies related to excise on sugary drinks and packaging labeling regulations, with a focus on public health implications in Indonesia. Normative research method to analyze Consumer Protection Laws and regulations from other countries that have implemented excise taxes on sweet drinks in an effort to reduce excessive sugar consumption. Supporting data from other countries includes the implementation of excise tax on sugary drinks, its impact on people's consumption patterns, and evaluation results related to reducing the prevalence of diabetes. This research uses a comparative approach to evaluate the effectiveness of sugary drink excise policies and labeling regulations on product packaging in reducing sugar consumption in various country contexts. Countries that implement excise taxes on sweet, high-calorie drinks have succeeded in reducing the prevalence of diabetes by influencing consumer behavior to choose products with lower sugar content. Countries that have implemented excise taxes on sweet, high-calorie drinks generally have a significant positive impact on reducing the prevalence of diabetes in society because they influence people's purchasing behavior to prefer healthier foodstuffs (lower sugar content). Therefore, legal reconstruction is needed regarding the application of excise and labeling regulations on product packaging regarding sugar content information with certain classifications for sweet drinks in order to reduce the prevalence of diabetes in Indonesia. It is hoped that the results of this research will provide insight to the Indonesian government in developing effective strategies to reduce the prevalence of sugar-related diseases and improve overall public health.

SERVICE QUALITY AND CONSUMER PROTECTION LAWS IN THE PARKING INDUSTRY: AN IMPLICATIONS FOR CONSUMER SATISFACTION

The examination of consumer protection laws in the parking sector in Ambon constitutes the primary focus of this study, emphasizing the breaches in service quality that result in customer discontentment and unfavorable perceptions of service provision. Employing the SERVQUAL framework, the study delves into the identification of the five pivotal dimensions of service quality pivotal to customers, encompassing tangibles, reliability, responsiveness, assurance, and empathy. Employing a qualitative research methodology, the investigation scrutinizes both customer and parking attendant experiences, endeavoring to discern the underlying factors contributing to service quality transgressions within the industry. The research findings underscore the pressing necessity for enhanced implementation and enforcement of consumer protection regulations, alongside the establishment of efficient complaint resolution mechanisms to address customer grievances. Furthermore, the study elucidates various factors contributing to service quality violations, including deficient training protocols, absence of licensing requirements, and ineffective regulatory frameworks. It advocates for proactive measures by policymakers and employers to rectify these issues, emphasizing the imperative of adequately training, equipping, and licensing parking attendants to ensure the delivery of exemplary service standards to customers.

A house purchase transaction that has been paid in full but the sale and purchase deed has not been executed by PPAT, resulting in losses for the buyer (Case Study Number: 15/Pdt.G/2023/PN.Gdt)

This research examines the juridical aspects of the collateral object of the credit agreement that was entered into by the developer and has been sold in full to the buyer. The research background involves the complexity of property transactions, where house ownership certificates are often used as collateral for credit loans. However, cases of non-compliance and fraud by developers and Notaries/PPATs can be detrimental to buyers, especially in cases that occurred at Feros Estate Housing, Pesawaran Regency, Lampung Province. The problem of this research is: What is the legal protection for home buyers whose objects have been guaranteed in advance by the developer to the bank (Case Study Number: 15/Pdt.G/2023/PN.Gdt)? and Legal consequences that arise between the home buyer and the bank as a result of the object having become a collateral object in the banking credit agreement (Case Study Number: 15/Pdt.G/2023/PN.Gdt)? The research method used in this research is a normative and empirical juridical approach using secondary and primary data. Next, the analysis is carried out qualitatively. As a discussion in this research, there is legal protection for home buyers whose objects have been guaranteed in advance by the developer to the bank based on Case Number: 15/Pdt.G/2023/PN.Gdt, namely: The existence of a Land Deed Making Officer (PPAT) Professionals are the main guarantors in ensuring accuracy, legal security and high professionalism in every transaction. PPAT has a big role, starting from checking the legality of documents to making a Sale and Purchase Deed (AJB), which provides legal certainty to buyers. Legal protection for home buyers does not only depend on the seller, but also on PPAT's obligation to provide complete information, check the legality of documents, and ensure the transaction process complies with established standards and regulations. Next is a discussion of the research regarding the legal consequences that arise between the home buyer and the bank as a result of the object having become a collateral object in a banking credit agreement based on Case Number: 15/Pdt.G/2023/PN.Gdt, namely: In a house buying and selling transaction with objects pledged as collateral to the bank, it can be concluded that the situation involves a complex series of risks and legal consequences. Several parties such as buyers, sellers, PPAT, and banks may face legal action depending on their role and contribution in the transaction. In house buying and selling transactions with objects pledged as collateral to the bank, high vigilance and the involvement of professional parties are required to mitigate legal risks that may arise. Preventive measures and awareness of legal aspects are very important to ensure the smoothness and validity of property transactions. The suggestions in this research are: The legal protection provided to home buyers in home buying and selling transactions is considered to be inadequate in protecting and providing rights for the community, especially prospective home buyers, the process is still quite complicated and many people didn't know it. So the relevant authorities, such as BPN, can increase supervision and carry out internal audits of PPAT. This is done in order to help and ensure that PPAT carries out its duties properly and provides maximum legal protection. Furthermore, the Government can do several things to reduce legal consequences, one of which is strengthening consumer protection regulations related to property transactions, especially when involving banks or PPAT.

Legal Protection for Consumers in E-commerce Expeditions

This study investigates the legal protection afforded to consumers in the context of e-commerce, focusing on the liabilities of expedition services in cases of delayed or damaged goods. The primary objective is to explore the forms of legal protection provided to consumers for losses due to delays or damages in goods transported by expedition services, and to understand the legal responsibilities of these services in such scenarios. Utilizing a normative research method, the study examines relevant consumer protection laws and regulations governing shipment agreements. The findings reveal that consumers are entitled to various forms of legal protection, including the right to compensation in the form of refunds, replacement of goods, or payments based on the value of loss; entitlement to indemnities for healthcare costs or beneficiary allowances in cases of life-threatening harm; and the right to compensation from expedition services for material and immaterial losses beyond mere refunds. Additionally, the study underscores the government and consumer protection agencies' duty to educate and guide businesses, including expedition services. The legal responsibility of expedition services extends to compensating consumers for delayed shipments or lost goods, through either refunds or replacements. Moreover, the services are obligated to provide compensation or replacements for undelivered or damaged goods. Consumer claims for compensation can be resolved through direct negotiation with the expedition service, legal action, or alternative dispute resolution mechanisms like BPSK. The study concludes that while consumers are legally protected to obtain compensation from expedition services, the enforcement of these services' responsibilities needs to be strengthened for more optimal fulfillment of consumer rights.Highlights:
 
 Legal Protections: Consumers have the right to compensation, including refunds, replacements, or payment for losses, and indemnities for life-threatening damages.
 Expedition Services' Obligations: These services must compensate for delays, lost, or damaged goods, with options for direct negotiation, legal action, or alternative dispute resolution.
 Enforcement Needs: Despite existing protections, there is a necessity to strengthen the enforcement of expedition services' responsibilities to better fulfill consumer rights.
 
 Keywords: Consumer Protection, E-commerce, Legal Responsibilities, Expedition Services, Compensation Claims

Standard Clauses in Vehicle Purchase Credit Agreements in Indonesia: An Examination of Consumer Protection and Legal Enforcement

Vehicle purchase credit agreements in Indonesia frequently incorporate standard clauses that are often perceived as offering inadequate legal protection to consumers. Despite clear prohibitions regarding the use of standard clauses in credit agreements, vehicle financing businesses often persist in implementing these clauses in their contracts with consumers. Consequently, consumers find themselves in an unfavorable position, lacking the necessary legal safeguards to protect their rights. Consumers are entitled to legal protection, legal certainty, and justice when engaging with consumer financing institutions. This study employs a qualitative analysis approach, utilizing the normative legal research method to interpret legal materials, including court decisions. The research findings reveal that consumer protection regulations pertaining to standard clauses in vehicle purchase credit agreements have been distinctly and sufficiently defined. However, the enforcement of laws and stringent sanctions against violations has not been fully effective.

Legal Culture and Legal Consciousness of Consumers: The Influence on Regulation and Enforcement of Consumer Protection Laws

Consumers, as end users of products without the intent of resale, require protection due to their lack of economic motives in consumption. State intervention in safeguarding consumers is achieved through the formulation and enforcement of regulations. These regulatory frameworks play a pivotal role in shaping consumer behavior concerning goods and services. Diverse consumer behaviors are observed globally, denoted as consumer legal culture, influenced by various societal backgrounds. The effectiveness of regulations lies in their alignment with the values embraced by consumers, facilitating enforcement. This article aims to scrutinize consumer behavior in three distinct countries—Indonesia, Spain, and Australia—each characterized by unique cultures that profoundly impact consumer behavior, as well as the development and implementation of regulations. This article highlights that consumer behavior in Indonesia diverges from some countries, displaying a tendency toward weaker self-protection. Despite Indonesia's diverse society, consumer awareness of product scrutiny is lacking. Notably, affordability often trumps safety and quality considerations, reflecting a broader trend. Legal awareness is low, attributed to insufficient education and information on consumer rights. Weaknesses in consumer protection regulations and inconsistent enforcement contribute to perceptions of inadequate safeguards. Globally, varying social and cultural conditions shape consumer behavior, highlighting the common challenge of fostering awareness and proactive engagement in ensuring product safety and quality.

Cross-Country Perspective: Imposing Sanctions on Grab Partners with Invalid Identities in Indonesia and Singapore

Technology continues to advance as time evolves. Conventional transportation methods have long been the preferred choice for individuals heading to specific destinations. However, the emergence of online-based transportation services like Grab has made it easier for people to move around by simply using the GrabAppon their smartphones. While the GrabApphas brought numerous benefits to society it also comes with certain drawbacks, such as instances where drivers do not align their identities with the information provided on the Grab platform. This mismatch can lead to potential inconveniences and safety concerns for consumers, including the possibility of account takeovers. The objective of this research is to understand and analyze the consumer protection regulations concerning legal issues and forms of protection, and to undertake a comparative analysis of the legal frameworks in Indonesia and Singapore regarding online drivers and the penalties imposed when they encounter legal complications. In conducting this research, the author adopted a normative doctrinal research approach, encompassing legislative and comparative legal perspectives. The data gathered during this investigation were subjected to qualitative analysis techniques. The research findings reveal that the legal regulations in Indonesia and Singapore are relatively similar. Both countries have regulations covering traffic and transportation, consumer protection, and sanctions for drivers whose identities do not match the application. The result of the research is to improve the regulation concerning the implementation of sovereign rights and jurisdiction that is related regulatory provisions regarding consumer’s right in Indonesia and Singapore.

Guardians of the Consumer: A Comparative Analysis of Consumer Protection Laws Across Countries

In this comprehensive exploration of consumer protection laws across diverse countries, the focus is on comparing the intricate structures, strengths, and weaknesses that characterize these regulatory frameworks. The journey into the historical evolution of consumer protection regulations provides a contextual backdrop to the contemporary landscape, offering valuable insights into the motivations that led to their establishment and the hurdles encountered in their implementation. The historical lens through which we examine the evolution of consumer protection laws reveals a compelling narrative. As industrialization and mass production gained momentum in the early 20th century, consumers found themselves vulnerable to a myriad of risks associated with product safety, misleading advertising, and unfair business practices. The establishment of pioneering institutions such as the Federal Trade Commission (FTC) in the United States marked a watershed moment, acknowledging the need for regulatory oversight to protect consumers from these emerging challenges. The comparative analysis undertaken in this article seeks to unveil the diversity of approaches adopted by different countries in addressing consumer protection concerns. Some nations have opted for comprehensive and overarching legislation that encapsulates various facets of consumer rights, while others have chosen a sector-specific approach. The European Union's harmonization efforts stand out as an example of a unified approach, fostering consistency across member states. On the other hand, countries like India and Brazil have developed specific laws targeting deceptive advertising and unfair trade practices, showcasing a tailored approach to consumer protection. Examining the reasons behind the implementation of consumer protection laws reveals a shared commitment to rectifying inherent imbalances in the marketplace. These laws aim to level the playing field between consumers and businesses by ensuring product safety, preventing fraud and deception, promoting fair competition, and providing a structured framework for dispute resolution. The overarching goal is to establish trust and confidence in economic transactions, recognizing that informed and protected consumers are essential for the proper functioning of a healthy market. Despite these noble intentions, the implementation of consumer protection laws faces a host of challenges. Enforcement issues, often stemming from limited resources and the complexity of global supply chains, pose significant obstacles to the effective execution of these regulations. Furthermore, cultural and regulatory differences among countries create complexities in achieving a harmonized global approach to consumer protection. The comparative analysis sheds light on these challenges, emphasizing the need for collaborative efforts and innovative solutions to overcome these hindrances. As the article draws to a conclusion, reflections on the future of consumer protection become crucial. Identifying potential areas for improvement is essential to adapt these laws to the evolving dynamics of the global economy. The article encourages a forward-looking perspective, urging policymakers, businesses, and consumers alike to engage in an ongoing dialogue to refine and strengthen consumer protection laws. By addressing the challenges and seizing opportunities for enhancement, the global community can collectively work towards creating a more secure and equitable marketplace for consumers around the world.

Dampak Kehilangan atau Pencurian barang yang Dibeli dengan Kredit pada Pembayaran Cicilan

This article discusses the legal implications concerning the loss or theft of goods purchased on credit in installment payments. The main focus of this article is to analyze the legal consequences that buyers may face when goods purchased under a credit scheme experience loss or theft. The discussion involves aspects such as buyer responsibility, the role of the seller or financing institution, and legal protections available to the buyer in such situations. The research method employed is legal analysis, detailing provisions of credit contracts, consumer protection regulations, and relevant court decisions. The research findings highlight the importance of understanding the rights and obligations of buyers in the context of the loss or theft of goods purchased on credit. Legal implications on installment payments also take center stage in outlining the potential impacts on the parties involved in such credit agreements..

The European System of Banking Law. A Tribute to Stefan Grundmann

Despite its apparent fragmentation, the Union’s private law must be seen as a coherent legal system, which is constitutionally based on a mutual interplay between private liberties and market regulation and designed to achieve economic (and social) integration between the Member States. As banking law illustrates, fundamental principles and public policies tend to flow into individual rights and duties, particularly with regard to consumer protection. Since the Union’s private law has to coexist with those of the Member States, it must draw on the best instances of national cultures, which, conversely, have to traverse a process of Europeanisation. Stefan Grundmann urged scholars to equip European private law with an apparatus of legal methodology capable of ensuring its coherent interpretation and supplementation and of vouching for its unity. European private law, Legal methodology, Consumer protection, Private law and market regulation, Banking law, Responsible lending, ADR systems, Punitive damages.

Preserving Consumer Autonomy through European Union Regulation of Artificial Intelligence: A Long-Term Approach

AbstractPersonal autonomy is at the core of liberal societies, and its preservation has been a focus of European Union (EU) consumer and data protection law. Professionals increasingly use artificial intelligence in consumer markets to shape user preferences and influence their behaviours. This paper focuses on the long-term impact of artificial intelligence on consumer autonomy by studying three specific commercial practices: (1) dark patterns in user interfaces; (2) behavioural advertising; and (3) personalisation through recommender systems. It explores whether and to what extent EU regulation addresses the risks to consumer autonomy of using artificial intelligence in markets in the long term. It finds that new EU regulation does bring novelties to protect consumer autonomy in this context but fails to sufficiently consider the long-term consequences of autonomy capture by professionals. Finally, the paper makes several proposals to integrate the long-term risks affecting consumer autonomy in EU consumer and data protection regulation. It does so through an interdisciplinary approach, drawing from legal research and findings in the study of long-term thinking, philosophy and ethics and computer science.

The Law and Economics Perspective of Financial Consumer Protection Laws and Regulations: Focusing on the Application of Behavioral Economics

The Law and Economics Perspective of Financial Consumer Protection Laws and Regulations: Focusing on the Application of Behavioral Economics

The Effect of Financial Services Authority Regulatory Implementation Concerning Financial Consumer Protection on Banking Financial Performance

Many parties engage in banking as the financial services industry grows, particularly in Indonesia. To keep banks safe, financial services must emphasize customer protection. The Financial Services Authority (OJK), Indonesia's financial services regulator, implemented several consumer protection measures. The policy may hurt banks despite protecting customers. Consumer protection laws strengthen banks. Proper protection would make clients feel safer and increase bank trust. Banks with strong consumer protection regulations will attract more clients since customers will feel safe doing so. This study examines how the OJK regulation's implementation on financial services consumer protection affected national commercial banks' financial performance from 2017 to 2021. This study adopts descriptive and verifiative approaches to analyze 93 national commercial banks in Indonesia from 2017 to 2021. The research utilizes secondary data from the Financial Services Authority (OJK) and bank financial statements. The investigations done have led to the conclusion that implementing consumer protection can improve bank financial performance and lower credit risk

Comparative legal analysis of consumer protection in the field of trade in the post-Soviet countries

The subject of the study is the legal regulation of consumer protection in the field of trade in the post-Soviet countries. The object of the study is the social relations arising from the protection of consumer rights in the field of trade. The author examines in detail the civil law regulation of consumer protection in the field of trade in the post-Soviet countries. Particular attention is paid to the subject matter, subject matter, form, essential terms of the retail sale contract, as well as the seller's pre-contractual obligation, the right to exchange goods of proper quality, unilateral termination of the contract, penalty, etc. When writing the work, the following methods were used: universal systematic method of cognition, comparative legal, formal legal methods, as well as the method of logical analysis of normative legal acts. The analysis of the legislation of the post-Soviet countries shows that the deviation from the principle of equality of participants in relations and freedom of contract on the issue of concluding a retail sale contract was carried out in favor of the consumer by establishing additional guarantees. The degree of deviation from the principle of equality of participants in relations and freedom of contract on the issue of concluding a retail sale contract in favor of the consumer in the post-Soviet countries differs. The legislation of the Russian Federation, to a greater extent than in other post-Soviet countries, establishes guarantees for consumers: the pre-contractual obligation of the seller to provide the necessary and reliable information about the product, the right to exchange non-food goods of proper quality, the right to unilateral termination of the retail sale agreement in the event of the purchase of goods of inadequate quality, the right to a legal penalty, the right to compulsory compensation for moral damage, the establishment of a limited period for satisfying the consumer's requirements by the seller, exemption from payment of state duty and alternative jurisdiction over consumer protection claims, a fine for non-fulfillment of the consumer's requirements on a voluntary basis.

LEGAL AND POLITICAL PERSPECTIVES ON CONSUMER PROTECTION LAWS IN POST-BREXIT BRITAIN: AN ANALYSIS

This article explores laws related to the protection of, and challenges to, consumer rights in the UK after its peoples’ decision to withdraw from the European Union (EU, henceforth) in 2016. Consumer protection laws are formulated and enacted to safeguard consumers from illegal and deceitful behavior of traders and salesmen, etc., and provide buyers with a range of legal guarantees and protections. These laws deal with a number of issues such as the safety of the products used by citizens, criminalize not only false advertising, but also excessive pricing, and breach of contract terms. In the UK, the main piece of consumer protection legislation is the Consumer Rights Act 2015. However, despite the existence of consumer protection laws and regulations, problems still occur, and consumers can still fall victim to fraudulent or unethical business practices. Therefore, it is important for consumers to be informed about their rights and to be vigilant in protecting themselves from scams and other forms of consumer fraud. Additionally, consumer protection is an issue that is constantly evolving as new technologies and business models emerge. For example, the rise of e-commerce and online marketplaces has created new challenges for consumer protection, as consumers may not always know who they are buying from or how to resolve disputes with online sellers. Keywords: Consumer Rights, UNO Guided Principles for consumer protection, Consumer rights and UK Legal System.

Model Framework for Consumer Protection and Crypto-Exchanges Regulation

Cross-border insolvency of crypto-exchanges, cyber-risks, transnational character of activities with cryptocurrencies, and financial frauds on the Internet are among the key threats for individuals who use Bitcoin as an investment. Moreover, crypto-exchanges impose consumer agreements containing provisions limiting their liability for hacker attacks and other clauses promoting inequality in relations with investors. All the named obstacles highlight the vulnerability of unsophisticated individuals investing in digital assets and have pointed out the necessity to adopt an internationally recognized model of rules for crypto-exchanges, otherwise, it will be impossible to effectively protect the rights of investors engaged in the activities of intermediaries exchanging and keeping decentralized cryptocurrencies. The purpose of the study is to elaborate on the fundamentals for constructing an international legal framework protecting consumers from risks arising from the activities of crypto-exchanges dealing with decentralized cryptocurrencies. Based on the methodology of comparative legal study, this paper examines the judicial practice of various countries and the legislation of jurisdictions popular among crypto-exchanges. The research explores the nature of Bitcoin, describes the types of crypto-exchanges and discusses the main approaches to crypto-exchanges regulation. It argues that an international framework on crypto-exchanges should be based on understanding Bitcoin as a commodity which is situated in the place of crypto-exchange incorporation, licensing of crypto-exchanges, and self-regulation.

Strengthening the European Union by Regulating the Digital Single Market

Polarization of the society is nowadays easier than ever due to the strong influence of social media. Opaque algorithms personalize news feed of users through massive data processing and thus creating effects that are fueling extremization of opinions. Negative effects of social media can be used by third parties to influence society to achieve their goals, however antidemocratic. Digital Markets Act and Digital Services Act aim to regulate Digital Single Market through fair competition and consumer protection regulation. This regulation can have significant impact on the democratic deficit of the European Union as it has potential to eradicate analyzed negative effects of social media on the polarization of society.

How Much User Context Do We Need? Privacy by Design in Mental Health NLP Applications

Clinical NLP tasks such as mental health assessment from text, must take social constraints into account - the performance maximization must be constrained by the utmost importance of guaranteeing privacy of user data. Consumer protection regulations, such as GDPR, generally handle privacy by restricting data availability, such as requiring to limit user data to 'what is necessary' for a given purpose. In this work, we reason that providing stricter formal privacy guarantees, while increasing the volume of user data in the model, in most cases increases benefit for all parties involved, especially for the user. We demonstrate our arguments on two existing suicide risk assessment datasets of Twitter and Reddit posts. We present the first analysis juxtaposing user history length and differential privacy budgets and elaborate how modeling additional user context enables utility preservation while maintaining acceptable user privacy guarantees.