

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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- AMLD
- Anti-discrimination directive
- CCD
- CMU
- Credit servicers directive
- DGS Directive
- DMFSD
- Digitalisation
- FIDA
- IDD
- Insurance regulation
- MCD
- MiFID II
- Motor Insurance Directive (MID)
- NBFI
- Non Performing Loans
- Open Banking
- Open Finance
- Over-indebtedness
- PAD
- PEPP
- PRIIPS
- PSD2
- Payment services
- Pensions Regulation
- Personal Insolvency
- Prudential regulation
- Recovery and Resolution
- Retail Investment Strategy
- SFDR
- Structured products and derivatives
- Supervisory convergence & ESFS
- Sustainability preferences
- UCITS Directive
- UCPD
13 PUBLICATIONS



Indicators to monitor over-indebtedness


Early detection and constructive response about households financial difficulties


Response to the EC’s Public Consultation on a Potential EU Personal Pensions Framework


Open Letter on the Retail Financial Services Action Plan


Public Hearing at the European Commission on Personal Pensions


Response to the EC consultation on the Green Paper on retail financial services


Green Paper on retail financial services: better products, more choice, and greater opportunities for consumers and businesses


Speech at the EC public hearing on the Green Paper on retail financial services


Cheat sheet: What is the Future of UCITS?

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