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EuroFinUse participates to the workshop organised by the European Commission, DG Internal Market and Services on ‘Crowdfunding: Untapping its potential, reducing the risks’ on 3 June 2013. Questions will address Crowdfunding in Europe: What drives its growth and what are the obstacles to it? Can it help to fill the financing gap for small firms

PRIIP Key Information Document – A regulation to enable investors to compare financial products and make informed decisions

Effective date: January 10, 2024 Update privacy preferences BETTER FINANCE ("us", "we", or "our") operates the https://betterfinance.eu website (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to

World Investor Week (WIW) is a week-long, global campaign promoted by IOSCO to raise awareness about the importance of investor education and protection and highlight the various initiatives of securities regulators in these two critical areas. From 2-8 October 2017, IOSCO securities regulators and other IOSCO members on six continents will provide a range of

Following the Workshop on Crowdfunding organized in June 2013, attended by Guillaume Prache of EuroFinUse, the European Commission launched a consultation inviting stakeholders to share their views about Crowdfunding. This emerging alternative form of financing removes the middleman by pooling small amounts of capital from a large number of individuals and putting these investors in

EuroFinUse published a position paper on Crowdfunding, a very important emerging trend in financial services. Financial services users, savers and retail investors are not opposed to innovation, particularly with regard to the emergence of Crowdfunding, which could actually dramatically improve the delivery of retail financial services, provided the EU regulators find an adequate user protection

XI International Convention of Independent Financial Advisers (CIFA) Forum on 24th to 26th April 2013  in Monaco. The Forum aims at tackling the overarching question if the world banking system can be reformed. A variety of panels, seminars and workshops are foreseen over the two days event, and EuroFinUse will represent the point of view

The European Commission proposed a regulation to establish an EU programme to support two non-profit organisations, Finance Watch and BETTER FINANCE, for the 2017-2020 period. The programme’s overall budget will amount to a maximum of €6 million during that period, with a maximum 60% co-funding rate. Thanks to these EU grants, BETTER FINANCE will be

Financial products and services in Europe have a bad rep. Not only do “investment products, private pension and securities” persistently rank as the worst of all 31 consumer markets according to the annual EU Consumer Scoreboard1, these markets also lag considerably behind others in terms of cross-border trade, thereby severely limiting competitiveness. In short, financial

EuroFinUse welcomes the workshop organized by the European Commission on this very important emerging trend in financial services. EuroFinUse also thanks the Commission to invite a retail user representative to the speakers table. Financial services users, savers and retail investors are not opposed to innovation, particularly with regard to the emergence of Crowdfunding, which could

Our organization fully defends that this draft Delegated Act would be the cornerstone to establish the main obligations for insurance manufacturers and insurance distributors regarding the product approval process, the target markets, the product testing, the monitoring and review, and the information obligations between manufacturers and distributors. These innovations are fundamental to ensure improvements in

“Banks are too focused on executive pay and shareholder dividends and need to focus more on the rights of employees, their creditors and wider society”. Andy Haldane’s speech, the University of Edinburgh’s Corporate Finance Conference Known for his radical views, the Bank of England’s chief economist believes banks and companies can play an important role

A recent conference on the role of the asset management was held at the European Parliament. Politicians and consumer rights groups offered analysis on the added value active managed funds offer investors. Sven Giegold, a Green MEP, suggested that asset management companies have over charged investors and failed to offer investors value. The consensus of

An article which appeared in the Belgian newspaper L’Echo discusses the reticence of Belgian citizens to take risks with their savings. Guillaume Prache (BETTER FINANCE) and Jacques Berghmans (Treetop Asset Management) discuss why this is the case and what the potential solutions could be. Belgians don’t trust bankers to invest on their behalf. As Mr.

Free translation of French article on Finance and Regulation Following Bruegel, it was BETTER FINANCE’s turn to bring European policymakers and stakeholders together in Brussels to discuss the CMU project. BETTER FINANCE is an NGO funded by the European institutions, fighting for a financial system at the service of individuals and the real economy. Up

Transition investing refers to capital needed to improve economic activities, that are not environmentally friendly at present. Such capital supports the development of innovation and infrastructure, enabling current activities to eventually achieve climate neutrality. The European Commission’s release of the transition finance ‘Recommendation’[1] emphasised the importance of such investments for Europe’s pursuit of environmentally conscious

BETTER FINANCE, alongside other NGOs, urges members of the Economic and Monetary Affairs Committee to ensure that the new ESG Regulation improves the reliability, comparability and transparency of ESG Ratings in the EU and in particular to: 1. mandate ESG ratings to follow a double materiality approach, therefore taking into consideration companies’ exposure to ESG

BETTER FINANCE welcomes the amendments to the Taxonomy Disclosures Delegated Act (Art 8) in providing consistent methodologies and economic performance indicators that ensure financial and non-financial undertakings disclose the relevant taxonomy eligibility and alignment information.

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

The exposure of retail investors to crypto-assets has increased globally, leading to greater retail investor losses due to financial crime, fraud, money laundering, and under-regulated activities in the crypto-asset market. To address these challenges, BETTER FINANCE welcomes the policy recommendations for crypto and digital asset markets proposed by IOSCO. These recommendations aim to ensure a

The Czech Presidency of the Council tightened plans for an EU-wide ban on a controversial stock-trading practice despite opposition from the German government. Last Monday, governments were able to see the draft ban on “payment for order flow”. The text states that investment firms “shall not receive fees, commissions or non-monetary benefits from third parties

On Wednesday 14 December, the United Securities and Exchange Commission (SEC) proposed Regulation Best Execution, seeking to establish a best execution regulatory framework mandating that securities brokers and dealers execute deals at the best price available. BETTER FINANCE, which itself has been highlighting the need for more transparent and fair European stock markets, applauds the

In January, the market value of American video game and electronics retailer GameStop, driven by an “army” of “retail” investors[1], shot up from $1.4 billion to $33.7 billion.  This dramatic increase in stock price caused hedge funds that were shorting[2] GameStop to “suffer” significant losses and accuse retail investors of market manipulation. This standoff between

The fall in global equity and oil prices seen on Monday – and a simultaneous surge in the gold price – shows how investors have been complacent with regards to the coronavirus. The disease – which has spread outside of China – is impacting global markets in a way that was “underestimated”, according to Nigel

Prosecutors in Germany have brought criminal charges against Volkswagen executives over Dieselgate. They have been charged with stock market manipulation. More here.  

Despite the attempts to channel equity trading to the “lit” markets, more than half of European stock is bought and sold through “dark pools”. BETTER FINANCE has long criticised its negative effects on transparency and pricing, promoting the need to restore confidence in financial markets. Attempts to regulate the financial markets and instruments have already

Christian Voigt, a senior regulatory adviser at Fidessa, and former vice president at Deutsche Boerse has published a blog post warning that there may be up to 230 stocks listed in the UK and EU27 at risk of Brexit because of a Mifid II trading rule. According to Voigt, “The rule requires EU firms to

Six weeks into 2018 the principal indexes around the globe went into freefall, following a global sell-off in stock markets. The table below shows the changes (Δ%) between the closing prices of the indexes over the course of one day.    Some look at the US markets for the cause, where a ‘wage growth in the US jumping

Economists Eugene F. Fama, Lars Peter Hansen and Robert J. Shiller are this year’s Nobel Prize winners for economics. The Swedish Riksbank in memory of Alfred Nobel decided to award the Nobel Prize to the three economists “for their empirical analysis of asset prices”.  The economists’ research showed that while it is difficult to predict

Things come in threes…for the third time merger attempts between LSE and Deutsche Börse are heading towards failure. Following the announcement of the merger, the European Commission opened an in-depth investigation on 28th of September 2016 to assess, under the EU Merger Regulation, whether the proposed merger between Deutsche Börse and LSE would reduce competition

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)

On November 28th BETTER FINANCE and FESE will be hosting a webinar on ‘Enhancing Retail Participation in Capital Markets Through Pension Products’. As part of European Retirement Week 2023, the webinar will assess the Retail Investment Strategy’s impact on pension investments in capital markets and explore the reasons behind Europeans’ limited investment in pension products.

BETTER FINANCE released its updated report on the progress of the European Capital Markets Union (CMU), and the results are discouraging. The report analyses the first five key performance indicators (KPIs) used to assess the progress of the CMU, and adds two additional KPIs to reflect developments in EU capital markets. The report is based

BETTER FINANCE calls for restricting “dark” capital market venues to REAL Large-in-scale (LIS) trades, i.e., of more than €100k each, to really prevent them from dealing with “retail” orders. Current Payment for Order Flow (PFOF) proposals “surreal” and don’t respond to citizens’ questions. A real-time pre-trade Consolidated Tape (CT) of equity order books will put

The Retail Investment Strategy will be key in establishing a Capital Markets Union “that works for people”. The successful combined completion of the Retail Investor Strategy and the CMU Action Plan could generate a quantum leap in investor protection, empowerment and engagement, to their benefit and to the benefit of the CMU, sustainable investing and

On Wednesday 14 December, the United Securities and Exchange Commission (SEC) proposed Regulation Best Execution, seeking to establish a best execution regulatory framework mandating that securities brokers and dealers execute deals at the best price available. BETTER FINANCE, which itself has been highlighting the need for more transparent and fair European stock markets, applauds the

Keynote address by Jella Benner-Heinacher on market structures, “retail” investors, and payments for order flows (PFOF) Thank you for the invitation and congratulations to FESE to organize such an impressive conference in Prague. I would have loved to be personally in this beautiful city of Prague but unfortunately, I can only attend virtually. Nevertheless, I

Available data and evidence show significant increases in the trading and investing activity of EU households, sparked by a new wave of young, previously inactive, non-professional investors. Many EU retail investors increased their exposure to listed equities and started to invest via execution-only services (brokerage accounts). Besides flattening the illiquidity curve during the period of

The European Union presented its new plan to renovate the structure of its stock markets. It’s the third wave of reforms since the project was launched six years ago. The EU has been working on the creation of a capital markets union (CMU), which has been affected by the UK’s departure after Brexit. One of

Available data and evidence show significant increases in the trading and investing activity of EU households, sparked by a new wave of young, previously inactive, non-professional investors. Many EU retail investors increased their exposure to listed equities and started to invest via execution-only services (brokerage accounts). Besides flattening the illiquidity curve during the period of