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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18 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.
Position Paper on the Retail Investment Strategy
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
Consultation response

Consultation response on the New European Consumer Agenda

Consultation response on the New European Consumer Agenda
Policy brief

Towards inclusive, safe and sustainable financial services for consumers

On 8 April 2019, Finance Watch published its blueprint on retail financial services with an assessment of the current market failures and key priorities for the next European Commission.
Towards inclusive, safe and sustainable financial services for consumers
Open letter

Open Letter on the Retail Financial Services Action Plan

Dear Vice-President Dombrovskis, We would like to draw your attention to the forthcoming Retail Financial Services Action Plan that the Commission should issue at the beginning of next year, which has the potential to improve the consumer experience in financial services.
Open Letter on the Retail Financial Services Action Plan
Consultation response

Response to the EC consultation on the Green Paper on retail financial services

Response to the EC consultation on the Green Paper on retail financial services
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].
Green Paper on retail financial services: better products, more choice, and greater opportunities for consumers and businesses
Speech

Speech at the EC public hearing on the Green Paper on retail financial services

Finance Watch’s Secretary General, Christophe Nijdam, gave a speech at the European Commission’s public hearing on the Green Paper on retail financial services on 2 March 2016. Download the programme of the hearing (pdf) Watch the video of the hearing:
Speech at the EC public hearing on the Green Paper on retail financial services
Factsheet

Cheat sheet: Retail Financial Services

However, facilitating the cross-border provision and purchase of financial services could have a positive effect on prices, comparability, and competition for everyone.
Cheat sheet: Retail Financial Services
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