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BETTER FINANCE welcomes the proposal for the Retail Investment Strategy (RIS) put forward by the European Commission (EC) on 24 May 2023. We fully share the goals that the EC pursues with this initiative ‘rules that are coherent across legal instruments’; ‘adequate protection’‘bias-free advice and fair treatment’; ‘open markets with a variety of competitive and

The draft Regulation on ESG ratings proposed by the European Commission in June 2023 aims to establish a framework and tackle structural issues by combating possible conflicts of interests, imposing better transparency in the rating processes, and introducing an authorisation and supervision system for ESG rating providers (for both EU and non-EU entities). Although commendable,

BETTER FINANCE welcomes the objectives of the Listing Act review put forward by the European commission to make EU Capital Markets more attractive for companies, particularly for SMEs.[1] Investor associations have long emphasised that to revitalise the Capital Markets Union, the EU’s primary and secondary markets need a boost, that is, greater participation from EU

EU Law rightly requires information provided to individual investors to be clear, i.e., “presented in a way that is likely to be understood by, the average member of the group to whom it is directed, or by whom it is likely to be received”, and as such, retail investors expect definitions and classifications of funds

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“BETTER FINANCE together with ShareAction, the German Association of the Insured BdV, Urgewald and WWF European Policy Office react to the Solvency II review on related sustainability requirements. Solvency II, the legislative framework for EU insurers, is currently under review. Solvency II, introduced in 2016, laid the foundations for a harmonised, sound, and robust prudential

The European Federation of investors and Financial Services Users fully supports the clear stated objectives of the European Union’s very welcome “Retail Investor Strategy”. ENSURE A LEVEL PLAYING FIELD IN SECTORAL LEGISLATION            The European Commission’s stated goal for the EU Strategy for Retail Investors (RIS) is to: ”ensure that (…) rules are coherent across legal

A loan (credit) is “non-performing” when it’s either over 90 days overdue or unlikely to be reimbursed by the client (business or consumer). In this case, credit institutions (e.g., banks) can resort to one of the three following recourses: either “work it out” with the customer, e.g., grant a moratorium (postponement), restructure the repayment, discount

Regulations on Markets in Crypto Assets and the EU Pilot Regime for Distributed Ledger Technology (DLT) based market infrastructures BETTER FINANCE welcomes the initiatives and efforts of EU public authorities to accommodate emerging technologies in financial services whilst maintaining a safe and stable environment for consumers and financial services users to benefit from our single

With the termination of the intra-EU bilateral investment treaties (BITs) in 2020 – which received significant criticism for overlapping with the EU single market rules – the EC launched an initiative to improve the investor protection and facilitation framework at EU level. This initiative was reiterated in the new Capital Markets Union (CMU) Action Plan

The resources are aimed to inform on consumer credits, loans and other financial services legislations.

EC Consultation on tax problems faced by EU citizens when active across borders within the EU The European Commission launched a consultation on tax problems faced by EU citizens when active across borders within the EU. The consultation is aimed at discussing ways to simplify tax compliance in cross-border situations. The deadline to submit contributions is

The European Union’s securities regulator is looking at what action to take after finding that up to 15 percent of actively managed funds may be misleading investors by covertly tracking a stock index. Indeed consumers have long suspected some of the funds that charge them higher fees to scour the market for the best picks

Three Spanish newspapers (Invertia, Expansion and El Pais) report that BETTER FINANCE and the German investor association DSW, one of our member organisations are looking into some possibilities to take legal proceedings at the European level against VW the German manufacturer. Read the full articles here. (in Spanish)  – Invertia – Expansion – El pais

Following a masterpiece of transnational investigative journalism, the Süddeutsche Zeitung, Le Monde and the International Consortium of Investigative Journalists (ICIJ) made their report public, containing an enormous amount of leaked data on offshore companies in Panama. The documents provide details of Mossack Fonseca’s role at the centre of the secretive financial dealings of more than

The recent ARTE documentary titled “The Future of our Pensions” explores how to make the EU pensions system more effective at providing adequate returns. This in-depth feature examines pension systems throughout the European Union and includes interviews with policymakers, scholars, stakeholders, and retirees to provide a comprehensive look at the current state of pensions in

Pensions Report - Overview BETTER FINANCE is committed to ensuring pension adequacy and transparency in pension returns for EU citizens. We recognize the ongoing challenges faced by pensioners in attaining a sustainable retirement income, including the impact of ‘financial repression’ on the purchasing power of EU pensioners and the growing strain on the provision and

10 February 2023 | As EU policymakers continue their negotiations on the MiFIR review, BETTER FINANCE is increasingly alarmed that the regulation could severely hurt retail investors, by putting in place a market structure further benefitting dark Systematic Internalisers (SIs). Ignoring the previous plea from BETTER FINANCE and going against the interests of retail investors,

Sustainability policies affect all and the same rules should be applicable in order to harmonise interpretations and improve financial services in support of retail investors. In this section you will find position papers which shed more light on multiple climate-oriented and sustainable finance developments. In this section, you will find position papers that shed more

Useful to know There are multiple existing and developing sustainable and responsible initiatives, standards and disclosures, projects as well as open consultations in which you can voice your concerns. Sustainability Policy Sustainability policies affect all and the same rules should be applicable in order to harmonise interpretations and improve financial services in support of retail

20 September 2017 – The European Commission (EC) announced its proposal to improve the supervision of European financial services as well as its revision of the European Supervisory Authorities (ESAs) today. BETTER FINANCE welcomes the proposal to have permanent members on the Boards of Supervisors of the ESAS as an improvement to their governance. However,

Bank of America, the second-largest U.S. bank, agreed to pay $9.3 billion to settle a lawsuit arising out of troubled mortgage-backed securities it cobbled together and sold to several federal housing agencies such as Fannie Mae and Freddie Mac. The settlement, announced on Wednesday, includes $6.3 billion in cash and $3.2 billion in securities that Bank

The European Commission’s review of the shareholders rights directive is a good step forward, but, if not amended and improved upon by the European Parliament, will fail to fix the high barriers to shareholder engagement in EU listed companies. Please read more about BETTER FINANCE’s concerns here.

The Financial Times reports that investors fear that the new accounting rules proposed by European regulators might mask the onset of another credit crisis. Under the new rules, financial institutions would be required to second guess whether the loans that they originated could default. As this is very similar to what happened during the recent

The European Commission responded to a question from a Member of the European Parliament that Cyprus-style “taxes on deposits” could be levied in more than one Member State. Read more here

SaveOurRetirement.com is a new website that will educate workers and retirees about threats to their retirement security under current law. The campaign aims to protect Americans from the Retirement Advice Loophole. The goals of the new campaign are twofold: 1) educate Americans about threats to their retirement from the current system and how they can

The speech by Mark Carney, the Bank of England governor, on November 17 in Singapore caused some serious ripples in the banking pond. Among his bolder proposals was the docking of bankers’ salaries. Considering the Libor manipulation scandal and the more recent exposure of currency traders chatroom secrets, Carney pointed out that the fines for

After failed negotiations on Thursday night EU heads of government have resumed their talks today  in order to bag a deal on the EU budget, which will cover roughly €1,000bn in spending from 2014 to 2020. EU President Hermann van Rompoy tried in vain to "break the deadlock over the EU long-term budget by restoring

Today marks what is a cheerless anniversary in the minds of many in the financial industry. On 15 September 2008 – exactly six years ago – the financial services firm Lehman Brothers fell prey to the mortgage crisis. Even today, Lehman Brother’s crash echoes in the halls of financial institutions as they struggle to win

After the 2023 AGM season and looking ahead to the 2024 season, BETTER FINANCE and its member organisations voice concerns about the erosion of shareholder rights. Inadequate rules for Virtual Annual General Meetings (AGMs) in some Member States highlight the need for broader engagement and representation frameworks for investors to truly benefit from digitalisation. The

Today, BETTER FINANCE, the leading advocate for European citizens as investors, savers, shareholders, and financial services users, unveils its manifesto ahead of the upcoming European Union elections in June 2024. Entitled “Sustainable Value for Money: Reconciling Individuals, Enterprises & The Planet,” the manifesto calls for a renewed emphasis on better outcomes for consumers, long-term investment,

⬇️ Read or download BETTER FINANCE’s National Key Priorities for 2024-2029 below. ⬇️ Let’s harness the Capital Markets Union’s (CMU) potential to benefit our citizens as financial consumers, retail investors and pension savers, as well as our planet, economy, and future generations. This will ensure Europe’s prosperity and security in a rapidly changing geopolitical environment.

⬇️ Read or download BETTER FINANCE’s Individual Investors’ Key Priorities for 2024-2029 below. ⬇️ Let’s harness the Capital Markets Union’s (CMU) potential to benefit our citizens as financial consumers, retail investors and pension savers, as well as our planet, the economy, and for future generations. This will ensure Europe’s prosperity and security in a rapidly

BETTER FINANCE is pleased to announce a new collaboration with SASV (Schweizerischer Anlegerschutzverein), the Swiss Investor Protection Association, further expanding its pan-European network. SASV is dedicated to promoting transparency within the Swiss capital market and advancing investor rights. This partnership with BETTER FINANCE aims to bolster the representation of Swiss individual investors and shareholders on

The Lithuanian Investors Association and BETTER FINANCE, the European Federation of Investors and Financial Services Users, are organising the annual BETTER FINANCE International Investors’ Conference, scheduled to take place in Vilnius on May 30, 2024. The conference, titled “Vilnius 2024 | Shaping the Future of Finance,” will delve into various topics encompassing European and Baltic

The “Swiss Association for the Protection of Investors” (Schweizerische Anlegerschutzverein) is committed to transparency on the Swiss capital market and the promotion and enforcement of investor rights in Switzerland. Its purpose is to protect the interests of investors with regard to financial investments and to support them in the enforcement of their corporate and economic

Brussels, 13 October 2023 — BETTER FINANCE, the European Federation of Investors and Financial Services Users, in collaboration with IVA – the Austrian Shareholder Association, is pleased to announce that the International Investors Conference at the Vienna Stock Exchange and Oesterreichische Kontrollbank (OeKB) got off to a great start this morning. Keynote Carmine di Noia, Director

Video RecordingPhotosConference ProgrammeSpeakers BookletWill you afford to retire? | A presentation by BETTER FINANCE & PEKABEKeynote SpeechesPanel Discussions - Background information and reading materialPress Release

BETTER FINANCE expresses concern over Deutsche Bank’s disclosure of missing Russian shares. The bank recently revealed a shortfall in the shares underlying depositary receipts (DRs), further increasing the challenges for European investors seeking to recover their investments in Russian listed companies, especially individual non-professional ones. DRs are used in international stock trading as a means