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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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23 PUBLICATIONS

Factsheet

Navigating the Maze

A Finance Watch primer on how to reform European economic governance. European Member States remain constrained by European economic governance – a maze of rules impacting their fiscal and socio-economic policies. Highly intertwined with an annual cycle of coordination known as the European Semester, Europe’s “three pillars” governance system aims to enforce fiscal discipline, ensure macroeconomic surveillance, and facilitate socio-economic coordination.
Factsheet

Cheat sheet: What is Sustainable finance?

The EU paid more attention to sustainability concerns in its financial policymaking after the UN Sustainable Development Goals were agreed in 2015. In 2017, as part of its Mid-term Review of the Capital Markets Union, the European Commission wrote that “a deep re-engineering of the financial system is necessary for investments to become more sustainable and for the system to promote truly sustainable development from an economic, social and environmental perspective”.
Factsheet

Cheat sheet: What is the “Better Regulation Package”?

In May 2015 the Commission introduced the Better Regulation Package […] to cut unnecessary red tape. The costs of regulation are easier to calculate than its benefits and industry lobbyists use this at their advantage: many files in environmental, social and health legislation could potentially be put under pressure from the Better Regulation initiative.
Factsheet

Cheat sheet: What is the Trading Book Review?

Background Actions of Finance Watch Key risks and our Publications on this dossier
Factsheet

Cheat sheet: What is Banking Union (SRM and SSM)?

Background; Actions of Finance Watch; Key risks; and our Publications on this dossier.
Factsheet

Cheat sheet: What are Benchmarks?

Benchmarks Key Issues A “benchmark” means any commercial index or published figure calculated by the application of a formula to the value of one or more underlying assets or prices, including estimated prices, interest rates or other values, or surveys by reference to which the amount payable under a financial instrument is determined (European Commission’s definition).
Factsheet

Cheat sheet: What is BRRD (Level 2)?

Bank Resolution Key Issues Our position We support the overall aim of the bank recovery and resolution framework which is to prevent bank failures becoming a systemic crisis affecting the rest of the financial system and/or the rest of the economy. It focusses on strengthening national resolution systems in member states by providing tools of “prevention”, “early intervention” and “recovery”.
Factsheet

Cheat sheet: What is CRA 3?

CRA 3 Key Issues A credit rating agency (CRA) provides opinions on the creditworthiness of entities such as companies or governments and of debt instruments such as bonds. The biggest three CRAs are Standard & Poor’s, Moody’s and Fitch, which together cover approximately 95% of the world market. The second revision of the CRA Regulation (CRA3) reviews the EU’s regulatory framework for CRAs.
Factsheet

Cheat sheet: What are ELTIF Funds?

Long-Term Funds Key Issues The European Long-Term Investment Fund, or ELTIF, is a new type of collective investment framework allowing investors to put money into companies and projects that need long-term capital. It is aimed at investment fund managers who would be able to offer long-term investment opportunities to institutional and private investors across Europe, e.g. in infrastructure projects.
Factsheet

Cheat sheet: What is European Supervision?

They are: the European Banking Authority (EBA), the European Securities and Markets Authority (ESMA), the European Insurance and Occupational Pensions Authority (EIOPA), the European Systemic Risk Board (ESRB).
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