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

Report

Consumer credit market malpractices uncovered

An in-depth study of consumer credit markets in Spain, Romania and Ireland and what it means for the Consumer Credit Directive (CCD) review
Consultation response

Consultation response on draft guidelines on loan origination and monitoring

Report

What makes credit so risky? A consumer perspective

Finance Watch’s research paper on consumer credit and its contribution to over-indebtedness.
Position paper

Pay-day lenders: why can we consider them as being bad players on the credit market?

[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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