
Peter Norwood
Senior Research & Advocacy Officer
As Senior Research and Advocacy officer, Peter Norwood works on retail services/consumer protection and financial inclusion issues.
Peter Norwood has extensive experience in EU financial services policy. He has worked for more than ten years for regulators, institutions and associations in the financial services sector, including the German Insurance Association (GDV), one of the biggest UK retail bank, the European Commission (as a Seconded National Expert) and the UK Financial Conduct Authority (FCA).
Throughout his career, Peter has worked on a wide variety of different EU financial services policy topics, including insurance, capital markets, sustainable finance, retail services and financial inclusion, and financial stability.
At Finance Watch, Peter is in charge of the retail and financial inclusion workstream, focusing on over-indebtedness, consumer and mortgage credit, financial inclusion, consumer protection and digitalisation issues (including the use of consumer data by financial services providers).
Peter also represents Finance Watch in the Financial Services User Group (FSUG) of the European Commission and in the Consultative Working Group (CWG) of the ESMA Investor Protection Standing Committee (IPSC).
Prior to his professional career, he graduated from Georgetown University in Washington, DC with an MA in European Studies and from the George Washington University with a BA in International Affairs. Moreover, he attended the Institut d’Etudes Politiques de Paris for a year to complete the university’s undergraduate student exchange program.
Policy Area
- Retail & Inclusion
Areas of expertise:
- Retail Finance
- Financial inclusion
- Digital finance
- Consumer and mortgage credit
Contact Information
Finance Watch
Rue des Colonies 56 box 3 - 1000 Brussels - Belgium
Participated in these publications


Retail & Inclusion
06/03/2025
Consumers need fairer and safer investments: joint civil society recommendations on the Retail Investment Strategy trilogues

Retail & Inclusion
10/02/2025
Finance Watch supports the call to protect consumers’ right to choose digital or print communications

Digital Finance
17/12/2024
Ensuring Consumer Protection in the Financial Data Access (FIDA) Regulation

Retail & Inclusion
12/11/2024
A Revised Mortgage Credit Directive

Digital Finance
25/09/2024
Consultation response – The growth of AI in finance demands appropriate supervision and regulation

Retail & Inclusion
03/07/2024
Making the digital market for retail financial services safer for consumers

Retail & Inclusion
07/06/2024
Consultation response: Adapting the Irish Consumer Protection Code to today’s challenges

Retail & Inclusion
25/04/2024
Report: Breaking down barriers to basic payment accounts in the EU

Retail & Inclusion
18/03/2024
Joint Statement on the EU Retail Investment Strategy

Retail & Inclusion
19/09/2023
Policy brief – Citizens are not the product

Digital Finance
28/04/2023
What should the final distance marketing of consumer financial services rules look like?

Digital Finance
10/03/2023
Views on Council General Approach to Distance Marketing of Financial Services

Retail & Inclusion
19/10/2022
Root causes of household over-indebtedness

Digital Finance
05/07/2022
Response to the European Commission’s Consultation on Open Finance Framework and Data Sharing in the Financial Sector

Retail & Inclusion
30/05/2022
Position Paper on the Retail Investment Strategy

Retail & Inclusion
25/04/2022
Factsheet – Creditworthiness assessment for small loans: the key to prevent consumer over-indebtedness

Retail & Inclusion
24/03/2022
Report – Tackling causes of over-indebtedness in the EU consumer credit market

Retail & Inclusion
28/02/2022
Amending the Mortgage Credit Directive to address consumer protection issues, digitalisation and green mortgages

Retail & Inclusion
20/01/2022
Report – From debtor prisons to being prisoners of debt

Sustainable Finance
16/11/2021
Insurance Sector and Climate-Related Financial Risks: Response to the FIO

Retail & Inclusion
27/09/2021
Response to consultation: Directive on Distance Marketing of Consumer Financial Services

Sustainable Finance
08/07/2021
Report – Insuring the uninsurable: Tackling the link between climate change and financial instability in the insurance sector

Digital Finance
18/03/2021
Consumer protection: Digitalisation of retail financial services during the Covid-19 pandemic

Retail & Inclusion
09/02/2021
Consumer credit market malpractices uncovered

Stability & Supervision
21/10/2020
Consultation response on the review of Solvency II
Participated in these articles

Stability & Supervision
23/11/2022
Going further to make the online financial services market safer and fairer for Europeans

Stability & Supervision
24/05/2022
Will the revised EU Consumer Credit Directive fully protect vulnerable consumers?

Stability & Supervision
12/04/2022
With inflation, unregulated financial products will harm the vulnerable even more. Unless…

Policy Area
- Retail & Inclusion
Areas of expertise:
- Retail Finance
- Financial inclusion
- Digital finance
- Consumer and mortgage credit
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