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In recent months, BETTER FINANCE members have received a large number of inquiries about the takeover of Crédit Suisse (CS) by UBS. Former CS shareholders consider the price of CHF 3 billion that UBS paid for Crédit Suisse in the form of treasury shares to be far too low. On the last trading day before

A recent survey conducted by BETTER FINANCE and DSW among 3000 investors across the EU found that withholding tax (WHT) refund procedures are cumbersome and costly, making it difficult or financially unreasonable for non-professional investors to reclaim excess withholding tax on cross-border dividend income. More than 90% of European investors find the WHT reclaim procedure

On Thursday 13 April Ferrovial, the Spanish construction group, announced that its shareholders have approved a plan to relocate its holding company to the Netherlands through a reverse merger with its Dutch subsidiary Ferrovial International SE (FISE). The decision was made during Ferrovial’s Annual General Meeting (AGM). This strategic move aims to facilitate future listings

For a third year in a row, a study by BETTER FINANCE and DSW still points to considerable barriers to shareholder engagement as the Shareholder Rights Directive II fails to deliver for European cross-border shareholders, seriously hampering long-term investor engagement and sustainable corporate governance. Following the entry into force of the Shareholder Rights Directive II

IMAB (Latvia) – Investoru un mazākuma akcionāru biedrība / Investors and minority shareholders society. The aim of the Latvian Investors and Minority Shareholders Association is to bring together investors who are or wish to be minority shareholders or their representatives in Latvian companies, thereby promoting the development of investment in publicly traded companies and the

[Archived: The Survey is now Closed] It’s all about retail shareholder democracy in Europe! Did you try to vote (or did you successfully vote) at Shareholders Meetings of EU Companies in 2022? If not, there is still time, AGMs of companies are still ongoing. • Let us know your experience: Survey Open, until 10 September

BETTER FINANCE Member VZMD makes Objections Public in OPEN LETTER to the CEO of the Slovenian Securities Market Agency (ATVP), the national competent Authority In a press release at the end of 2021, VZMD – the Pan-Slovenian Shareholder Association and BETTER FINANCE Member – drew attention to the mass dissemination of letters and “innovative” offers

To ensure sustainable development and a brighter future, shareholder engagement must be given a chance! Despite the entry into force of the Shareholder Rights Directive II (SRD II) in September 2020, and the importance the European Union places on Shareholder Engagement and Corporate Governance – the set of rules and practices dictating a company’s corporate

Lately, many shareholders in public limited companies have turned to the PanSlovenian Shareholders’ Association (VZMD) and stated that they have received various letters and very strange offers from IGOR ŠTEMBERGER, the CEO and owner of ILIRIKA bornz-posredniška družba, d.d. (a brokerage company). In certain cases, the offered prices for shares were extremely low. In others, they offered shareholders shares of the company ILIRIKA MOJA

It is with great sadness that BETTER FINANCE learned on Monday 14 December 2020 that Wilhelm Rasinger, President of the Austrian Association for Investors (Interessenverbandes für Anleger – IVA) passed away. He was a great friend of our organisation and, even before his close involvement with the European Federation of Investors and Financial Services Users,

BETTER FINANCE is pleased to announce that, also in 2021, it is well-positioned to remain the leader in providing high-level user-side experts to EU and International expert advisory groups in policy and regulatory matters impacting individual, non-professional users of financial services. At the European level, BETTER FINANCE is pleased to announce that Desislav Danov from

BETTER FINANCE is happy to announce that The European Banking Authority’s Banking Stakeholder Group (BSG) selected one of its previous vice-chairs, Alin Iacob, to join the BSG again. Alin Iacob is the Chairman of the Association of Romanian Financial Services Users (AURSF). AURSF has been a member of BETTER FINANCE, the European Federation of Investors

Brussels, 20 July 2020 – The new composition of the European Supervisory Authorities’ (ESAs) “Stakeholder Groups” is a step backwards with regard to a balanced representation between industry and consumers in EU financial rulemaking. This is the result of the recent ESAs reform, which reduced the quotas for consumers and academics in favour of financial

BETTER FINANCE asks EU Politicians about their Key Priorities for the Next Five Years Press Release – Next May nearly 450 million Europeans across the EU will be called to vote in the European parliamentary elections. The European Union faces many challenges on multiple fronts and it’s important to ensure that European savers and investors

For too long now individual investors and savers have been gradually crowded out of equity markets and pushed into frequently under-performing packaged products. To ensure long-term growth it will be crucial to rehabilitate equity investment across the board and ensure a level playing field for all market participants. If the CMU can help reconnect those

For too long now individual investors and savers have been gradually crowded out of equity markets and pushed into frequently under-performing packaged products. To ensure long-term growth it will be crucial to rehabilitate equity investment across the board and ensure a level playing field for all market participants. If the CMU can help reconnect those

On Tuesday 10th of July, the European Parliament co-rapporteurs published a disappointing draft report on the review of the European System of Financial Supervision : not only lacking any ambitious changes on the much needed reform of the governance model and funding of the European Supervisory Authorities (ESAs – EBA, ESMA and EIOPA), but even

Many financial services providers already operate across borders in different Member States. Like for other sectors, the case for EU-wide collective redress for financial services is clear and in the interest of EU citizens as retail investors and pension savers. Over the years there have been numerous mis-selling scandals in the financial services industry that

Earlier this year BETTER FINANCE called on policy makers to put an end to financial abuses by ensuring better public enforcement of conduct of business rules and introducing an EU-wide framework for Collective Redress in order to facilitate effective private enforcement. Now the European Commissioner for Justice and Consumer Affairs is calling for an EU-wide

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,

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