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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6 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

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

Consultation response

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

Position paper

Responsible lending and privacy protection: A consumer perspective

On 19 October 2020, Finance Watch has published a discussion paper on ways that EU policymakers could help to reduce irresponsible consumer lending in the wake of the Covid-19 crisis and data misuse following recent changes in the EU payments industry.
Report

Financial Exclusion: Making the invisible visible

Brussels, 3 March 2020 – Finance Watch released a report on the increasing range of people in the EU encountering difficulties in accessing financial services. Financialisation and technological developments are part of the reason for this increase but, importantly, it is also due to the rise of EU workers living in poverty since the financial crisis.
Policy brief

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

[This page was originally published on www.fininc.eu. To learn more about the transfer of EFIN’s activities to Finance Watch, read our press release].

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