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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5 PUBLICATIONS

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
Report

Report – From debtor prisons to being prisoners of debt

Making the case for harmonised EU consumer insolvency rules.
Report

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

New Finance Watch report provides evidence for the need to increase borrower protection and to improve proposed legislation on companies that deal with non-performing loans.
Report – Is the human dignity of individual debtors at risk?
Position paper

Financial Inclusion – Bibliography

This page collects elements of bibliography on financial inclusion. Most were hosted on the European Financial Inclusion Network website, before its activities were transferred to Finance Watch.
Financial Inclusion – Bibliography
Position paper

Early detection and constructive response about households financial difficulties

[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].
Early detection and constructive response about households financial difficulties

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