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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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25 PUBLICATIONS

Report

16/07/2025

Digital Finance

Protecting EU consumers in the age of AI-driven retail finance

Consumers on the street being tracked by AI technology

Report

02/03/2020

Retail & Inclusion

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...

Report

23/01/2020

Retail & Inclusion

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.

Consultation response

30/09/2019

Retail & Inclusion

Consultation response on draft guidelines on loan origination and monitoring

Report

26/06/2019

Retail & Inclusion

What makes credit so risky? A consumer perspective

Finance Watch’s research paper on consumer credit and its contribution to over-indebtedness.

Consultation response

11/04/2019

Retail & Inclusion

Consultation response on the Evaluation of the Consumer Credit Directive

Policy brief

08/04/2019

Retail & Inclusion

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.

Position paper

01/12/2016

Retail & Inclusion

Unfair Lending Practices and Toxic Loans

[This page was originally published on www.fininc.eu. To learn more about the transfer of EFIN’s activities to Finance Watch, read our press release].

Consultation response

18/03/2016

Retail & Inclusion

Response to the EC consultation on the Green Paper on retail financial services

Speech

02/03/2016

Retail & Inclusion

Speech at the EC public hearing on the Green Paper on retail financial services

Finance Watch’s Secretary General, Christophe Nijdam, gave a speech at the European Commission’s public hearing on the Green Paper on retail financial services on 2 March 2016. Download the programme of the...

Position paper

01/03/2015

Retail & Inclusion

Pay-day lenders: why can we consider them as being bad players on the credit market?

[This page was originally published on www.fininc.eu. To learn more about the transfer of EFIN’s activities to Finance Watch, read our press release]

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