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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4 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 the ESMA consultation on guidelines for MiFID II suitability requirements

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

Response to Commission public consultation: Retail investment strategy for Europe

Response to Commission public consultation: Retail investment strategy for Europe
Consultation response

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

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

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