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Publications

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

European Financial Supervisors Listen to Investors and Propose Simplified Categories for Sustainable Finance Disclosure Regulation

Press Release - 25 June 2024 European financial supervisors have taken a proactive stance in their Opinion on the assessment of the Sustainable Finance Disclosure Regulation (SFDR), addressing concerns raised ...
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/ Press Releases, Product governance & disclosures, Sustainabe Finance

BETTER FINANCE answer to ESMA Consultation Paper on the draft guidelines on reverse solicitation under the Markets in Crypto Assets Regulation (MiCA)

BETTER FINANCE supports ESMA’s broad approach to guiding prudential regulation concerning the solicitation of EU clients by third-country firms, which is essential to protect European consumers from non-MICA compliant entities ...
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/ Consultations, Digital Finance, FinTech, Product governance & disclosures

BETTER FINANCE Response to EFRAG Public Consultation on Development of the Exposure Draft for a Voluntary Standard for non-listed SMEs

BETTER FINANCE has submitted its response to the European Financial Reporting Advisory Group's (EFRAG) public consultation on the Voluntary Standard for non-listed SMEs (VSME ED). This standard aims to provide ...
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/ Consultations, Capital Markets Union (CMU), Product governance & disclosures, Sustainabe Finance

BETTER FINANCE Urges Industry Innovation: Prache and McGuinness Find EU Financial Industry Proposals Disappointing and Call to Prioritise Consumer Outcomes at EU Retail Investment Roundtable

Guillaume Prache, Founder and Senior Advisor at BETTER FINANCE, brought his expertise to the forefront today as he addressed representatives of the financial industry at a roundtable on retail investment ...
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/ Press Releases, Capital Markets (equity & bonds), Capital Markets Union (CMU), Financial Education, Life Insurance & Pensions, Packaged Investment Products, Product governance & disclosures, Securities Markets & Trading, Sustainabe Finance

BETTER FINANCE’s response to EIOPA’s consultation on Methodology on Value for Money benchmarks

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 ...
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/ Consultations, Life Insurance & Pensions, Product governance & disclosures, Retail Investment Strategy, Supervision & Redress

BETTER FINANCE answer to ESMA Discussion Paper on MiFID II investor protection topics linked to digitalisation

The document serves as BETTER FINANCE response to selected questions of ESMA's discussion paper on the implications of digitalisation for investor protection under MiFID II. The document “Discussion Paper on ...
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/ Consultations, Digital Finance, FinTech, Product governance & disclosures, Retail Investment Strategy, Securities Markets & Trading

FSUG Opinion on Value for Money in Retail Investments

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 ...
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/ Position Papers, Life Insurance & Pensions, Product governance & disclosures, Retail Investment Strategy, Supervision & Redress

Individual Investors’ Key Priorities for 2024-2029 | Sustainable Savings & Investments Union: Reconciling Individuals, Enterprises & Planet

⬇️ Read or download BETTER FINANCE's Individual Investors’ Key Priorities for 2024-2029 below. ⬇️ Let’s harness the Savings and Investments Union’s (SIU) potential to benefit our citizens as financial consumers, ...
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/ Position Papers, Capital Markets (equity & bonds), Capital Markets Union (CMU), Financial Education, Financial Reporting & Audit, FinTech, Life Insurance & Pensions, Other, Packaged Investment Products, Product governance & disclosures, Securities Markets & Trading, Shareholder Rights & Corporate Governance, Supervision & Redress, Sustainabe Finance

Transition investing: key challenges and opportunities

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 ...
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/ Research papers, Product governance & disclosures, Sustainabe Finance

BETTER FINANCE position on the Retail Investment Strategy

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 ...
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/ Position Papers, Capital Markets Union (CMU), Life Insurance & Pensions, Packaged Investment Products, Product governance & disclosures