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

BETTER FINANCE Feedback on a Regulation on European Crowdfunding Service Providers for business

BETTER FINANCE already raised the issue that only a limited number of larger SMEs are likely to benefit from a Capital Markets Union. As such, introducing an EU framework enabling ...

BETTER FINANCE Feedback on a Directive amending MiFID II regarding Crowdfunding services

BETTER FINANCE agrees that in order to avoid legal uncertainty and the multiplication of legal requirements for crowdfunding platforms, MiFID II should not apply to crowdfunding providers who have been ...
/ Position Papers, FinTech

Request to the European Supervisory Authorities to report on the cost and past performance of the main categories of retail investment, insurance and pension products

Guillaume Prache, Managing director of BETTER FINANCE, was asked by EIOPA to contribute to the discussion on the request for the European Supervisory Authorities to report on the cost and ...

Impact Assessment – Institutional Investors and asset managers duties regarding sustainability

In order to effectively contribute to the strengthening of the Capital Markets Union, BETTER FINANCE believes that sustainable investment products require binding standards ensuring the trust of EU citizens in ...

BETTER FINANCE and Finance Watch comment on the final report of the European Commission’s Expert Group on Corporate Bonds

The European Commission’s Expert Group on Corporate Bonds issued its final report on improving European corporate bond markets. "Liquid, transparent and accessible corporate bonds markets in Europe would benefit both ...

Position on the Delegated Act on conduct of business rules for the distribution of insurance-based investment products

Retail” financial services are still ranked as the worst consumer markets in the entire European Union according to the European Commission’s Consumer Scoreboard. Therefore, our organization would like to express ...

Position on the Delegated Act on product oversight and governance requirements for insurance undertakings and insurance distributors

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 ...

Closet Indexing Study – Annex 1.D. – Potential Active Funds 848 funds

ANNEX 1D 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 ...

BETTER FINANCE Replicates and Discloses ESMA Findings on Closet Indexing

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 to 165 ...

Closet Indexing Study – Annex 1.C. – Funds with Insufficient Data 1172 funds

Annex 1C 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 ...

For timely updates on our advocacy and regulatory positions, consult our press releases