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As part of the European Responsible Investment Network (ERIN), BETTER FINANCE has joined forces with ShareAction and other NGOs to launch an EU Elections Manifesto, urging EU policymakers to take bold action on sustainable finance. Within this manifesto, we have outlined our key recommendations for the upcoming European Commission: Accelerate investments in Europe’s transition to

‘The Value of Financial Advice’ is an upcoming conference organized by Nordic Finance and the Good Society in Frederiksberg, Denmark. A number of esteemed keynote speakers from academia and the financial services sector will share their insights on the role of financial advice for financial decision-making. Register here.

BETTER FINANCE was quoted in a recent Reuters article on the ongoing discussion surrounding the European Union’s plans to enhance consumer protections in the financial services sector through its retail investment package. Notably, the EU aims to introduce ‘value for money’ safeguards as well as a ban on “inducements” for non-advised sales of investment products,

Transparency Task Force will hold a webinar about financial reporting, covering themes such as “Get real about financial reporting” and “The Financialisaton of Financial Reporting”. Stakeholders and experts will talk about “smoke and mirrors” and “conjuring tricks” and “insurance companies trading insolvent” and “Solvency 2 reforms”, amongst others. Addressing the inadequacies of financial reporting, the

On Wednesday, 7 June 2023, the European Commission will be hosting in Brussels the annual Joint Conference on European Financial Integration, organised with the European Central Bank (ECB). Guillaume Prache, BETTER FINANCE’s Managing Director, will give a speech on The consumer perspective on Banking Union and Capital Market Union. More information and registration

Faced with the risk of “regulatory capture”, six civil society co-signatories representing “small” savers and “minority” investors call on the President of the French Republic to reconsider the governance of the French Financial Markets Authority (AMF) The representatives of “l’Association Éthique et Investissement”, FAIR, Deontofi, RéseauCEP, “l’Association pour le Patrimoine et l’Actionnariat Individuel” and the “Fédération

This podcast aims to broaden listeners’ knowledge on financial inclusion in simple terms.

For a long time considered a model of German success story, the online payment company Wirecard collapsed in 2020 in a dramatic and scandalous bankruptcy, tarnishing the reputation of the political class and financial control authorities. This Thursday, the trial of the former president of Wirecard and two other managers opens in Munich. An alleged

Explanations A differential pricing mechanism in insurance contracts describes a practice by which an insurance company adapts the cost or price of the product/service on considerations other than the expected risk premia or estimated expenses. Put simply, prices will reflect how proactive or passive a client is (shop around or not) rather than the risk

There has been considerable progress on both supervisory convergence and the single rulebook since the three European Supervisory Authorities (ESAs) were created in 2011. Nevertheless, both require continued and appropriately targeted efforts to make further progress. To this end, the Commission’s capital markets union (CMU) action plan published on 24 September 2020, requires the European

BETTER FINANCE welcomes the the use of specific templates to standardise the disclosures of ESG information. We consider that to be comparable, the information disclosed  must reach the highest degree of standardisation at cross-sectoral levels and standardisation concerns not only the type of information to be included, but also the order flow and format; in

Back in November 2017 we formed an Alliance to voice our disappointment with the European Commission’s proposal for the review of the European Supervisory Authorities (ESAs), and to make proposals to remedy the situation. The Alliance reiterated its main concerns in a joint statement in July 2018, following the report on the review by the

In a letter to the European Commission’s Directorate General in charge of Financial Stability, Services and Capital Markets Union (DG FISMA) dated 20 June 2020, the European Supervisory Authorities (ESAs) informed that one of their respective Supervisory Boards did not approve the draft level 2 regulatory technical standards  (RTS) for the Delegated Regulation on key

Brussels, 31 July 2020 – In a letter to the European Commission’s Directorate General in charge of Financial Stability, Services and Capital Markets Union (DG FISMA) dated 20 June 2020, the European Supervisory Authorities (ESAs) informed that one of their respective Supervisory Boards did not approve the draft level 2 regulatory technical standards  (RTS) for

The European federation of retail investors, BETTER FINANCE, has criticised the new composition of stakeholder groups at the European supervisory authorities, branding it “a step backwards with regard to a balanced representation between industry and consumers in EU financial rulemaking.” Read the full article here.

I&P Europe reported today that the U.K. Financial Conduct Authority (FCA) will launch a new consultation with the British stakeholders concerning the main elements of the code of conduct it envisages for asset managers in the investment sector. The first report of the FCA, launched in 2015 (Asset Management Market Study), puts forward three main

| Original article from the FT, by Huw van Steenis, co-chair of the World Economic Forum’s finance council. | The Russian invasion of Ukraine is yet another reason why “investors and policymakers will need to destigmatise khaki finance — encouraging the greening of “grey” industries, rather than just backing the development of the greenest-of-green technologies”.

With the entire world in the grip of an unprecedented pandemic, governments around the world struggle to bring the devastating Coronavirus under control, save lives and alleviate overburdened health systems. Unfortunately, the necessary health, quarantine and social distancing measures implemented to fight the ongoing Covid-19 pandemic, are taking their toll on economies around the world.

The crisis- and Brexit-laden context have given the project new arguments to be on the European agenda. […] This is the second try for the Capital Markets Union (CMU). Europe had launched this project five years ago with the idea of supporting the financing of the economy via the capital markets. […] There is now

EU investment managers are pushing for the right to keep commissions for promoting financial products, as the bloc considers changes to its controversial Mifid laws that govern financial markets. Financial advisors hope that they can fend off a move by the Netherlands and consumer groups to totally ban third-party incentive payments across a broad range

Brussels, 4 May  2020 – On 1 April 2020, the European Securities and Markets Authority (ESMA) published its advice on “inducements” (and on the disclosure of costs and charges) under “MiFID II”, one of the main EU investor protection directives up for review this year, pushing the issue off into the future by encouraging the

European and national competent authorities are moving towards adopting more stringent rules on transparency for IORPs, UCITs and life-insurance products, and conducting closer supervision of the activities of private financial institutions. A first move by the European Commission came in the shape of the Insurance Distribution Directive (IDD), aimed at ‘increasing transparency of price and

In an interview with the FT, Mr Hailer declares his intention to focus on the problems in the fund industry, notably the so-called closet tracking and the broader issue of whether asset managers do a good job for investors. The Bostonian is angry about closet tracking, a form of mis-selling where a fund charges high

The change in EU privacy rules, which would make it harder for lenders to collect and keep personal data, prompted a lobbying campaign against this move by banks. These maintain that the law would make it more difficult for them to detect fraud or automatically grant loans and would hurt online services. However, BEUC, the

During the final trialogue discussions between the Lithuanian EU Council presidency and the European Parliament on December 17, an agreement was finally reached pushing through EU audit reform. Now subject to ratification by 28 European Union member states later this week, the last minute deal will force big companies to change auditors regularly as member

BETTER FINANCE welcomes and supports EIOPA’s ongoing work on a supervisory toolkit to assess the value for money offered by unit linked and hybrid insurance products. Since its creation, BETTER FINANCE has been fighting for regulatory and supervisory action to improve the returns of long-term and pension saving products. As BETTER FINANCE research shows, high

BETTER FINANCE endorses the FSUG’s call for improved ‘Value for Money’ in retail investments. The focus is on enhancing the effectiveness of packaged retail and insurance-based investment products (PRIIPs) to contribute significantly to investors’ financial well-being. The FSUG emphasises the responsibility of product manufacturers to design products that boost investors’ financial wealth and urges supervisors

The Financial Services User Group (FSUG) welcomes the ongoing legislative and supervisory works aiming to improve the ‘Value for Money’ that retail investors obtain from their packaged retail and insurance-based investment products (PRIIPs). The FSUG argues that ensuring retail investment products are effectively designed to increase the financial wealth of investors should be amongst the

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 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

In a recent Financial Times article, Guillaume Prache, Senior advisor at BETTER FINANCE, criticizes the use of Article 8 funds in sustainable investing. He argues that increasing the minimum sustainable investment percentage in these funds is ineffective and prone to greenwashing. These funds often oversimplify sustainability as mere ‘green activities’ and predominantly use an exclusion

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

Date: Wednesday, 17 April 2024 | Time: 14h00 – 18h00 | Place: University Foundation, 11 Rue d’Egmont, 1000 Brussels PROGRAMME 13h30 – 14h00 | Registration & Coffee 14h00 – 14h10 | Welcome | Aleksandra Mączyńska, Acting Managing Director, BETTER FINANCE 14h10 – 14h30 | Keynote Speech | José Manuel Campa, Chair, European Banking Authority (EBA)

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