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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67 PUBLICATIONS

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
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.
Responsible lending and privacy protection: A consumer perspective
Consultation response

Consultation response on the New European Consumer Agenda

Consultation response on the New European Consumer Agenda
Report

Report “Basic Financial Services”

Finance Watch released a report which identifies a shortlist of basic financial products and services that should be made available to all European citizens to help combat financial and social exclusion.
Consultation response

Feedback on the Roadmap for a Money Laundering and Terrorism Financing Action Plan

Feedback on the Roadmap for a Money Laundering and Terrorism Financing Action Plan
Report

Financial Exclusion: Making the invisible visible

Brussels, 3 March 2020 – Finance Watch released a report on the increasing range of people in the EU encountering difficulties in accessing financial services. Financialisation and technological developments are part of the reason for this increase but, importantly, it is also due to the rise of EU workers living in poverty since the financial crisis.
Financial Exclusion: Making the invisible visible
Report

Report – Is the human dignity of individual debtors at risk?

New Finance Watch report provides evidence for the need to increase borrower protection and to improve proposed legislation on companies that deal with non-performing loans.
Report – Is the human dignity of individual debtors at risk?
Consultation response

Consultation response on draft guidelines on loan origination and monitoring

Consultation response on draft guidelines on loan origination and monitoring
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