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“).

Or go to the search page


Consultation response

Response to Commission public consultation: Retail investment strategy for Europe


A pot of gold at the end of the rainbow

Brussels, 27 June 2017 – Finance Watch published today its report on the future of pensions in the EU, “A pot of gold at the end of the rainbow”.
Consultation response

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

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.

Cheat sheet: What is PRIIPs (Level 2/3)?

Background; Actions of Finance Watch; Key risks; and our Publications on this dossier.
Consultation response

Response to third ESA Joint Committee’s consultation on PRIIPs

Consultation response

Response to second ESA Joint Committee’s consultation on PRIIPs

Position paper

Discussion paper on product rules for retail investment products

Finance Watch published a discussion paper comparing different national product design rules for packaged retail products, and how they could be integrated into a single European framework within the PRIPs Regulation.
Position paper

Position paper on PRIPS “Towards suitable investment decisions?”

Finance Watch position paper “Towards suitable investment decisions? Improving information disclosure for retail investors” on the EU’s proposal for a regulation on Key Information Documents for Investment Products. Press Release 31 October 2012
Position paper

Innovation Sociale & apprentissage mutuel en matière de micro-épargne en Europe. Notes de synthèse

[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]  

Upcoming events

Check our events page