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

Position paper

Responsible lending and privacy protection: A consumer perspective

On 19 October 2020, Finance Watch has published a discussion paper on ways that EU policymakers could help to reduce irresponsible consumer lending in the wake of the Covid-19 crisis and data misuse following recent changes in the EU payments industry.
Consultation response

Consultation response on draft guidelines on loan origination and monitoring

Consultation response

EFIN response to European Supervisory Authorities consultation on Big Data

Consultation response

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].

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