Policy portal Stability & Supervision

When trust in the financial system disappears, panic sets in: fire sales of financial assets and bank runs can make the entire system collapse. Taxpayers are forced to bail out “too-big-to-fail” institutions to protect essential economic functions (deposits, credit, payment systems).

Mitigating implicit “moral hazard” requires sound prudential policies protecting essential banking services from excessive risk-taking and maintaining adequate capital levels to cover possible losses. Well-resourced, and independent supervision is also key. Finally, prudential regulation must also respond to new risks related to digitalisation (see “Digital Finance”) and climate change (see climate risk under “Sustainable Finance”).

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18 PUBLICATIONS

Open letter

Our letter to the EBA on top official’s alleged move to lobbying organisation

Update 28/10/19 -> You can now sign a petition organised by the Change Finance coalition.
Open letter

Reform of the European Supervisory Authorities and financial consumer protection

Together with four other organisations, Finance Watch has sent an open letter to the Members of the Council of the European Union to express serious concerns over their proposal for reforming the European Supervisory Authorities (ESAs).
Report

Financial Regulation challenged by European Trade Policy

On 2 October 2018, the Veblen Institute and Finance Watch published a report on the impact of European trade policy on financial regulation.
Joint statement

Joint Statement: ECON’s draft report on the review of the European Financial Supervisors

Joint Statement by Finance Watch, Better Finance, Beuc, Coface Families Europe, Age Plateform Europe
Policy brief

Finance Watch Blueprint on the European System of Financial Supervision

In order to ensure that the European financial system operates in a way that protects consumers, investors and taxpayers we need strong European supervisory authorities that are appropriate staffed, financed and given strong mandates.
Open letter

Proposal for the EU financial supervisory reform – Open letter

Brussels, 27 November 2017 Finance Watch has co-signed a letter to the heads of the European Union institutions, European Supervisory Authorities and key policy makers on the review of the European system of the financial supervision.
Position paper

Comment on the final report of the European Commission’s Expert Group on Corporate Bonds

Finance Watch and BETTER FINANCE comment on the final report of the European Commission’s Expert Group on Corporate Bonds
Consultation response

Consultation response on secondary markets for non-performing loans

Consultation response

Finance Watch response to the public consultation on the Europe 2020 strategy

Position paper

Finance Watch note “Too-big-to-fail in the EU”

Finance Watch has published a note (pdf, 12 pages – this note also exists in German and in French) that provides an overview of the EU financial regulations (passed or still in discussion) related to the too-big-to-fail issue and an assessment of what remains to be done, in light of three major questions:
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