Policy portal All policy portal
This policy portal provides a public interest perspective on the issues at stake and ongoing legislative debates in the field of financial regulation.
As major rules for financial institutions are set at the EU rather than national level, EU legislators play the key role. Adequate rules are of crucial importance, as the size, complexity and influence of the financial system have reached unprecedented levels. Challenges like digitalisation or accelerating climate change need to be addressed too. There is a long way to go to make finance truly serve the economy and society.
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68 PUBLICATIONS
Open letter
On Monday 18 March, Finance Watch, BETTER FINANCE, and the European Consumer Organisation (BEUC) issued a joint statement in reaction to the compromise text for the EU Retail Investment Strategy (RIS) currently...
Policy brief
Policy brief – Citizens are not the product
In this policy brief, Finance Watch outlines the improvements that need to be made to the EU Commission proposal on the open finance framework currently being discussed by the EU co-legislators to...
Policy brief
Root causes of household over-indebtedness
Without strong consumer protection legislation and proper public social security systems, the risk of financial difficulty is left to chance, making people vulnerable to predatory schemes. In this short policy brief, Finance...
Position paper
Position Paper on the Retail Investment Strategy
To ensure that European citizens can safely invest in capital markets, both online and offline, improvements are needed to enhance the EU retail investor protection framework.
Consultation response
Response to the ESMA consultation on guidelines for MiFID II suitability requirements
Position paper
Factsheet – Creditworthiness assessment for small loans: the key to prevent consumer over-indebtedness
Small loans are high risk for consumers, in particular for vulnerable consumers. Sound creditworthiness assessments are therefore necessary for small loans. This factsheet co-published by a European Coalition of NGOs on the...
Report
Report – Tackling causes of over-indebtedness in the EU consumer credit market
This report presents the findings of the study as well as detailed policy recommendations for the CCD review.
Consultation response
Amending the Mortgage Credit Directive to address consumer protection issues, digitalisation and green mortgages
Report
Report – From debtor prisons to being prisoners of debt
Making the case for harmonised EU consumer insolvency rules. A Finance Watch report showing that consumers in the European Union face unequal access to relief when personal debts outstrip ability to pay...
Consultation response
Response to consultation: Directive on Distance Marketing of Consumer Financial Services
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