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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

Consultation Response to EIOPA’s Proposal for Regulatory Technical Standards on Management of Sustainability Risks

BETTER FINANCE recognises EIOPA’s efforts to provide guidance on insurers’ sustainability risk plans and endorses many of the consultation’s proposals. BETTER FINANCE supports the proposal to incorporate a long-term climate ...
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/ Consultations, Sustainabe Finance

BETTER FINANCE responds to ESMA’s Call for Evidence on Civil Liability Provisions Under the Prospectus Regulation

BETTER FINANCE welcomes ESMA’s Call for Evidence on civil liability provisions under the Prospectus Regulation (PR). This consultation presents a critical opportunity to harmonise liability rules across Member States, addressing ...
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/ Consultations, Capital Markets (equity & bonds), Capital Markets Union (CMU), Shareholder Rights & Corporate Governance, Supervision & Redress

Response to EIOPA’s Consultation on the Draft Opinion on the Supervision of Liquidity Risk Management of IORPs

BETTER FINANCE has reviewed the European Insurance and Occupational Pensions Authority (EIOPA) Consultation Paper on the Draft Opinion on the Supervision of Liquidity Risk Management of IORPs (Institutions for Occupational ...
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/ Consultations, Life Insurance & Pensions

Targeted Consultation on the EU’s Securitisation Framework

BETTER FINANCE, the main organisation representing EU citizens in their capacity of savers and individual investors, wishes to express its concerns with the political support for a "relaunch" or "revival" ...
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/ Consultations, Banking, Capital Markets Union (CMU), Securities Markets & Trading

BETTER FINANCE Responds to ESMA’s Consultation on Technical Standards Specifying the Criteria for Establishing and Assessing the Effectiveness of Investment Firms’ Order Execution Policies

BETTER FINANCE submits its response to ESMA’s consultation on the Technical Standards specifying the criteria for establishing and assessing the effectiveness of investment firms’ order execution policies. While ESMA’s broader ...
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/ Consultations, Product governance & disclosures, Retail Investment Strategy, Securities Markets & Trading

Response on ESMA’s Consultation on Regulatory Technical Standards on Liquidity Management Tools under the AIFMD and UCITS Directive

In its comprehensive responses to ESMA’s consultations on both the draft Guidelines and the Regulatory Technical Standards (RTS) on Liquidity Management Tools (LMTs), BETTER FINANCE strongly advocates for a regulatory ...
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/ Consultations, Product governance & disclosures, Securities Markets & Trading

BETTER FINANCE response to ESMA’s MiFIR Review Consultation Package 3 on RTS 1, CTP Data Standards, and RTS 2 Flags

In light of the MiFIR/MiFID II review (entered into force on 28 March 2024, with transposition deadlines for MiFID II amendments set on 29 September 2025), this consultation package no 3 addresses ...
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/ Consultations, Capital Markets Union (CMU), Securities Markets & Trading

BETTER FINANCE’s Response to the European Commission’s Consultation on AI Use in the Financial Sector

The European Commission’s consultation on Artificial Intelligence (AI) in Financial Services is part of the broader AI Act, a horizontal legislation regulating AI across multiple sectors, including finance. While AI ...
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/ Consultations, FinTech, Product governance & disclosures, Supervision & Redress

BETTER FINANCE’s response to ESMA’s MiFIR review Consultation Package 2 on CTP and DRSPs

In light of the MiFIR/MiFID II review (which entered into force on 28 March 2024, with transposition deadlines for MiFID II amendments set for 29 September 2025), this consultation package no 2 addresses ...
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/ Consultations, Capital Markets (equity & bonds), Securities Markets & Trading

BETTER FINANCE’s response to ESMA’s Consultation on the review of the UCITS Eligible Assets Directive

Executive Summary BETTER FINANCE, the European Federation of Investors and Financial Services Users, welcomes the work undertaken by the European Securities and Markets Authority (ESMA) towards reviewing the UCITS Eligible ...
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/ Consultations, Capital Markets (equity & bonds), Capital Markets Union (CMU), Packaged Investment Products