Policy & regulation

Retail & financial inclusion

Across the EU, consumers are too often confronted with increasingly complex and poor value-for-money financial products that do not meet their requirements. Misleading practices and biased ‘financial advice’ due to remuneration mechanisms are of common practices in the financial sector.

Across the EU, micro-enterprises are an essential component for economic growth and account for the majority of firms and significant share of employment. However, they do not access the funding they deserve to develop their activities and are too often excluded from the bank financing.

Moreover, financial services should be safe and affordable, adapted to the needs of the whole range of people, including the most vulnerable one: unfortunately, the financial market is not effective to deliver such qualitative inclusion.

In Europe, access to simple and basic financial services in the field of payments, savings, insurance and credit should be accessible for a large majority of who can afford them.

In this section, you will find our work on retail financial services as well as information on the basic payment account, on responsible lending and creditworthiness assessment. You will also find information on risk of discrimination in credit or insurance access, consideration on toxic credits, over-indebtedness issues.

Across the EU, consumers are too often confronted with increasingly complex and poor value-for-money financial products that do not meet their requirements. Misleading practices and biased ‘financial advice’ due to remuneration mechanisms are of common practices in the financial sector.

Across the EU, micro-enterprises are an essential component for economic growth and account for the majority of firms and significant share of employment. However, they do not access the funding they deserve to develop their activities and are too often excluded from the bank financing.

Moreover, financial services should be safe and affordable, adapted to the needs of the whole range of people, including the most vulnerable one: unfortunately, the financial market is not effective to deliver such qualitative inclusion.

In Europe, access to simple and basic financial services in the field of payments, savings, insurance and credit should be accessible for a large majority of who can afford them.

In this section, you will find our work on retail financial services as well as information on the basic payment account, on responsible lending and creditworthiness assessment. You will also find information on risk of discrimination in credit or insurance access, consideration on toxic credits, over-indebtedness issues.

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