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This policy portal provides a public interest perspective on the issues at stake and ongoing legislative debates in the field of financial regulation.

As major rules for financial institutions are set at the EU rather than national level, EU legislators play the key role. Adequate rules are of crucial importance, as the size, complexity and influence of the financial system have reached unprecedented levels. Challenges like digitalisation or accelerating climate change need to be addressed too. There is a long way to go to make finance truly serve the economy and society.

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21 PUBLICATIONS

Policy brief

19/10/2022

Retail & Inclusion

Root causes of household over-indebtedness

Without strong consumer protection legislation and proper public social security systems, the risk of financial difficulty is left to chance, making people vulnerable to predatory schemes. In this short policy brief, Finance...

Position paper

25/04/2022

Retail & Inclusion

Factsheet – Creditworthiness assessment for small loans: the key to prevent consumer over-indebtedness

Small loans are high risk for consumers, in particular for vulnerable consumers. Sound creditworthiness assessments are therefore necessary for small loans. This factsheet co-published by a European Coalition of NGOs on the...

Report

24/03/2022

Retail & Inclusion

Report – Tackling causes of over-indebtedness in the EU consumer credit market

This report presents the findings of the study as well as detailed policy recommendations for the CCD review.

Consultation response

28/02/2022

Retail & Inclusion

Amending the Mortgage Credit Directive to address consumer protection issues, digitalisation and green mortgages

Report

20/01/2022

Retail & Inclusion

Report – From debtor prisons to being prisoners of debt

Making the case for harmonised EU consumer insolvency rules. A Finance Watch report showing that consumers in the European Union face unequal access to relief when personal debts outstrip ability to pay...

Speech

18/03/2021

Digital Finance

Consumer protection: Digitalisation of retail financial services during the Covid-19 pandemic

Finance Watch statement to the IMCO Committee hearing

Report

09/02/2021

Retail & Inclusion

Consumer credit market malpractices uncovered

An in-depth study of consumer credit markets in Spain, Romania and Ireland and what it means for the Consumer Credit Directive (CCD) review

Report

07/07/2020

Retail & Inclusion

Report “Basic Financial Services”

Finance Watch released a report which identifies a shortlist of basic financial products and services that should be made available to all European citizens to help combat financial and social exclusion.

Report

23/01/2020

Retail & Inclusion

Report – Is the human dignity of individual debtors at risk?

New Finance Watch report provides evidence for the need to increase borrower protection and to improve proposed legislation on companies that deal with non-performing loans.

Consultation response

30/09/2019

Retail & Inclusion

Consultation response on draft guidelines on loan origination and monitoring

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