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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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.
Policy brief

Finance Watch Policy brief on Remittances

Finance Watch welcomes the Review of EU’s regulation on cross-border payments by the European Commission that would make cross-border payments cheaper within the EU and better inform users of dynamic currency conversion services.
Consultation response

Consultation response on transparency and fees in cross-border transactions in the EU

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.
Position paper

Financial inclusion and new means of payment

Qualitative review in five European countries – May 2013: Study commissioned by EUFFI, the European Foundation for Financial Inclusion.

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