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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67 PUBLICATIONS

Policy brief

Policy brief – Citizens are not the product

In this policy brief, Finance Watch outlines the improvements that need to be made to the EU Commission proposal on the open finance framework currently being discussed by the EU co-legislators to ensure increased data access and sharing benefits consumers rather than harming them.
Policy brief – Citizens are not the product
Policy brief

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 Watch takes a closer look at the root causes of over-indebtedness and highlights the steps policymakers can take to better protect households across Europe.
Root causes of household over-indebtedness
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.
Position Paper on the Retail Investment Strategy
Consultation response

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

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 Consumer Credit Directive provides recommendations for a sound creditworthiness assessment for small loans.
Factsheet – Creditworthiness assessment for small loans: the key to prevent consumer over-indebtedness
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

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.
Consultation response

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

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

Response to Commission public consultation: Retail investment strategy for Europe

Response to Commission public consultation: Retail investment strategy for Europe
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