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“).

Or go to the search page

67 PUBLICATIONS

Report

What makes credit so risky? A consumer perspective

Finance Watch’s research paper on consumer credit and its contribution to over-indebtedness.
What makes credit so risky? A consumer perspective
Consultation response

Consultation response on the Evaluation of the Consumer Credit Directive

Consultation response on the Evaluation of the Consumer Credit Directive
Policy brief

Towards inclusive, safe and sustainable financial services for consumers

On 8 April 2019, Finance Watch published its blueprint on retail financial services with an assessment of the current market failures and key priorities for the next European Commission.
Towards inclusive, safe and sustainable financial services for consumers
Policy brief

Insurance and discrimination: Guaranteeing full and equal access to basic insurance

Finance Watch publishes new policy brief „Insurance and Discrimination – The importance of guaranteeing citizens full and equal access to the basic kinds of insurance“
Insurance and discrimination: Guaranteeing full and equal access to basic insurance
Position paper

Financial Inclusion – Bibliography

This page collects elements of bibliography on financial inclusion. Most were hosted on the European Financial Inclusion Network website, before its activities were transferred to Finance Watch.
Financial Inclusion – Bibliography
Position paper

Finance Watch recommendations for a Pan-European Personal Pension Product

Brussels, 4 April 2018 – Finance Watch published its comments and recommendations regarding the European Commission’s proposal for a pan-European Personal Pension Product (PEPP) (COM/2017/0343 final – 2017/0143 (COD))  from June 2017.
Finance Watch recommendations for a Pan-European Personal Pension Product
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

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

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

A pot of gold at the end of the rainbow

Brussels, 27 June 2017 – Finance Watch published today its report on the future of pensions in the EU, “A pot of gold at the end of the rainbow”.
A pot of gold at the end of the rainbow
1 2 3 4 5 7

Upcoming events

Check our events page