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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Policy brief

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

Finance Watch publishes new policy brief „Insurance and Discrimination – The importance of guaranteeing citizens full and equal access to the basic kinds of insurance“
Position paper

Finance Watch recommendations for a Pan-European Personal Pension Product

Brussels, 4 April 2018 – Finance Watch published its comments and recommendations regarding the European Commission’s proposal for a pan-European Personal Pension Product (PEPP) (COM/2017/0343 final – 2017/0143 (COD))  from June 2017.

A pot of gold at the end of the rainbow

Brussels, 27 June 2017 – Finance Watch published today its report on the future of pensions in the EU, “A pot of gold at the end of the rainbow”.
Consultation response

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


Public Hearing at the European Commission on Personal Pensions

Finance Watch’s Head of Public Affairs, Joost Mulder, spoke on a panel  at the European Commission’s “Public Hearing on Personal Pensions: towards a pan-European pension product?”, 24 October 2016 in Brussels.

Cheat sheet: What is the Future of UCITS?

In July 2012, the Commission issued a consultation on the future of UCITS focussing on questions about product rules, liquidity management, depositaries, money market funds and long-term Investments.
Position paper

Discussion paper on product rules for retail investment products

Finance Watch published a discussion paper comparing different national product design rules for packaged retail products, and how they could be integrated into a single European framework within the PRIPs Regulation.
Position paper

Position paper on PRIPS “Towards suitable investment decisions?”

Finance Watch position paper “Towards suitable investment decisions? Improving information disclosure for retail investors” on the EU’s proposal for a regulation on Key Information Documents for Investment Products. Press Release 31 October 2012
Consultation response

Response to EC consultation on UCITS

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