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

Consultation response

Response to consultation: Directive on Distance Marketing of Consumer Financial Services

Response to consultation: Directive on Distance Marketing of Consumer Financial Services
Consultation response

Response to Commission public consultation: Retail investment strategy for Europe

Response to Commission public consultation: Retail investment strategy for Europe
Consultation response

Consultation response on the Green Paper on Ageing

Consultation response on the Green Paper on Ageing
Report

A Wrinkle in the Process: Financial Inclusion Barriers in an Ageing Europe – Report

A groundbreaking look at vulnerability among older people in the European Union and the barriers they face that limit their access to basic, mainstream-market financial services and products appropriate to their needs in their communities.
Report

Consumer credit market malpractices uncovered

An in-depth study of consumer credit markets in Spain, Romania and Ireland and what it means for the Consumer Credit Directive (CCD) review

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