

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
18 PUBLICATIONS



Consultation response on the New European Consumer Agenda


Report “Basic Financial Services”


Feedback on the Roadmap for a Money Laundering and Terrorism Financing Action Plan


Financial Exclusion: Making the invisible visible


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


What makes credit so risky? A consumer perspective


Consultation response on the Evaluation of the Consumer Credit Directive


Towards inclusive, safe and sustainable financial services for consumers


Insurance and discrimination: Guaranteeing full and equal access to basic insurance

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