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This paper critically engages with the thesis of European Regulatory Private Law (ERPL). The main strength of ERPL is that it offers an entirely new perspective on European private law. However, as an exhaustive theory of European private law, ERPL is too one-sided, both from a descriptive and a normative point of view. With its strong focus on the private law locked up in regulatory silos for specific market sectors, it obscures the reality of the consumer acquis and its transformative force. A fuller picture would include the contours of a loosely coherent system of European private law that is currently emerging. The main pillars of that pragmatic system are (for now) withdrawal rights, unfair terms control, and remedies for non-conformity. Moreover, the contribution of European private law to access justice cannot be the only standard for its evaluation and critique; at least as important are interpersonal justice and democratic legitimacy.