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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Consultation response

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

Consultation response

Consultation response on the REFIT review of the EU Directive on motor insurance

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.

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