Our Research & Policy Aim

As a public interest organisation, BETTER FINANCE is committed to advancing the interests of individual investors and users of financial services throughout the European Union.

Our Goal

Our goal is to promote transparency, long-term value, and consumer protection in financial markets, ensuring that retail investors have a strong voice in policy discussions.

Our Approach

Working collaboratively with our member organisations, BETTER FINANCE undertakes rigorous analysis and research, engages in stakeholder consultations, and solicits expert contributions, resulting in well-informed, data-driven policy recommendations.

This approach ensures that EU financial regulations align with the interests of European citizens.

Explore Our Full Library of Publications

A TWIN-PEAKS APPROACH TO THE EUROPEAN SYSTEM OF FINANCIAL SUPERVISION: TURNING CONSUMER PROTECTION INTO A REAL PRIORITY

With up to 20 expert members taking part in the four stakeholder groups of the European Supervisory Authorities (ESAs), including 3 vice-chairs, BETTER FINANCE is the user-side NGO that is ...
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PP – Response CONSULTATION ON THE OPERATIONS OF THE EUROPEAN SUPERVISORY AUTHORITIES 160517

BETTER FINANCE has been and is the most involved user-side NGO with the ESAs’ work, with up to 20 expert members in the ESAs stakeholder groups, vice chairing three of ...
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Misselling of Financial Products in the EU – Briefing Paper 2017

This paper tries to assess the regulatory and, more importantly, the supervisory (public enforcement) developments regarding the actual protection of savers, individual investors and mortgage borrowers since the 2008 financial ...
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Closet Indexing Study – Annex 1.B. – No Reported Benchmark 147 funds

ANNEX 1B BETTER FINANCE helps investors identify potential falsely active funds (“closet indexers”), and asks regulators to investigate further: It replicated the ESMA study on closet indexing and identified up ...
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Closet Indexing Study – Annex 1.A. – All Funds – 2332 funds

ANNEX 1A BETTER FINANCE helps investors identify potential falsely active funds (“closet indexers”), and asks regulators to investigate further: It replicated the ESMA study on closet indexing and identified up ...
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Response to MEP Sven Giegold’s Consultation on Mis-selling of Products

BETTER FINANCE of course shares the view of MEP Sven Giegold that financial markets must serve consumers and end-users, and welcomes the European Parliament’s ECON Committee focus on the mis-selling ...
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IMPROVEMENT EU BANKING SUPERVISORY TRANSPARENCY ABSOLUTE NECESSITY IN LIGHT OF BAIL-IN RULES

A report by Bruegel on transparency in the European Banking Union, based on a survey carried out in 2013, has recently been revisited by its authors, analysing the most recent ...
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ARE ALL BANK INVESTORS TREATED EQUALLY BY EU MEMBER STATES?

The first bail-in under new European rules has taken place. A little more than a week ago Heta Asset Resolution’s bondholders had no choice but to take their losses, as ...
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SPANISH MORTGAGE BORROWERS CELEBRATE LANDMARK VICTORY OVER 101 BANKS

BETTER FINANCE’s Spanish member organisation ADICAE is celebrating a historic victory against 101 banks in what has been the biggest class action Spain has ever seen ...
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For timely updates on our advocacy and regulatory positions, consult our press releases