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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13 PUBLICATIONS

Position paper

Unfair Lending Practices and Toxic Loans

[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].
Position paper

Indicators to monitor over-indebtedness

[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]
Position paper

Early detection and constructive response about households financial difficulties

[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].
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.
Speech

Public Hearing at the European Commission on Personal Pensions

Finance Watch’s Head of Public Affairs, Joost Mulder, spoke on a panel  at the European Commission’s “Public Hearing on Personal Pensions: towards a pan-European pension product?”, 24 October 2016 in Brussels.
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].
Speech

Speech at the EC public hearing on the Green Paper on retail financial services

Finance Watch’s Secretary General, Christophe Nijdam, gave a speech at the European Commission’s public hearing on the Green Paper on retail financial services on 2 March 2016. Download the programme of the hearing (pdf) Watch the video of the hearing:
Factsheet

Cheat sheet: What is the Future of UCITS?

In July 2012, the Commission issued a consultation on the future of UCITS focussing on questions about product rules, liquidity management, depositaries, money market funds and long-term Investments.
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