Retail & Inclusion | Finance Watch - Page 2

Policy portal Retail & Inclusion

Access to financial services for individuals is a prerequisite for social inclusion, a decent standard of living during working and retirement age and protection in case of unexpected life events. Unaffordable offers and discriminatory practices are some of the barriers preventing many citizens from accessing the basic financial services needed to participate in modern life.

EU policymakers have a responsibility to remove these barriers and make the retail financial services market safe and fair. Rules are also needed to help citizens avoid over-indebtedness and offer a way out for those who find themselves in this difficult situation. And all of this must extend to the digital world (See also “digitalisation” under “Digital Finance“).

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75 PUBLICATIONS

Position paper

Position Paper on the Retail Investment Strategy

To ensure that European citizens can safely invest in capital markets, both online and offline, improvements are needed to enhance the EU retail investor protection framework.
Consultation response

Response to the ESMA consultation on guidelines for MiFID II suitability requirements

Position paper

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

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

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

Report

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...
Consultation response

Response to consultation: Directive on Distance Marketing of Consumer Financial Services

Consultation response

Response to Commission public consultation: Retail investment strategy for Europe

Consultation response

Consultation response on the Green Paper on Ageing

Report

A Wrinkle in the Process: Financial Inclusion Barriers in an Ageing Europe – Report

A groundbreaking look at vulnerability among older people in the European Union and the barriers they face that limit their access to basic, mainstream-market financial services and products appropriate to their needs...
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