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 Responds to Commission’s Legislative Proposal on PEPP

BETTER FINANCE welcomes the Commission’s proposals to amend the Regulation on a Pan-European Personal Pension (PEPP) product. As longtime supporters of the PEPP, we are pleased to see that the Commission remains committed to ensuring that a simple, cost-efficient ...

BETTER FINANCE Responds to Commission’s Legislative Proposal on IORPs

BETTER FINANCE welcomes the Commission’s proposed amendments to the IORP II framework. Occupational pension schemes hold great potential to improve European citizens’ retirement income as well as to deepen the EU’s capital markets, ...

Consultation Response on Draft Revised Guidelines on Reporting and Public Disclosure – Solvency II Review

The European Insurance and Occupational Pensions Authority (EIOPA) published a Consultation Paper on the revised Guidelines on reporting and public disclosure. The proposals aim to keep the Guidelines fit for ...

BETTER FINANCE Responds to ​​EIOPA’s Call for Advice on Minimum Harmonisation of IGS in the EU

The European Commission sent the European Insurance and Occupational Pensions Authority (EIOPA) a Call for Advice on the possible minimum harmonisation of Insurance Guarantee Schemes (IGS) in the European Union ...

​​Strong Markets, Weak Pensions: The Real State of European Pensions​

BETTER FINANCE publishes the 2025 edition of “Will You Afford to Retire?” revealing persistent structural challenges in long-term and pension savings across Europe. Despite a second strong year, European pension ...

Will you afford to retire? | The Real Return of Long-term and Pension Savings | 2025 Edition

It is sometimes frustrating to report, every year, on something as unfailingly disappointing as the real return of European supplementary pensions. It is a feeling akin to that of ...

​​Mind the Pension Gap: EU Stakeholders Call for More Adequate and Inclusive Supplementary Pensions​

BETTER FINANCE and the CFA Institute yesterday concluded the conference “Mind the Pension Gap: Delivering Adequate, Inclusive & Portable Pensions in the Current EU Cycle”, kindly hosted by MEP Stéphanie ...

​​BETTER FINANCE Welcomes Reforms to the Pan-European Personal Pension Product, but Cautions “the Devil is in the Detail”​

The European Commission’s proposed reforms to the Pan-European Personal Pension product (PEPP) could make retirement savings simpler, more transparent, and potentially more cost-efficient for millions of Europeans — but BETTER FINANCE warns that “the ...

BETTER FINANCE Responds to the Commission’s Call on Draft Amendments to Solvency II Delegated Rules

BETTER FINANCE Provides Feedback on ​​Draft Amendments to Solvency II Delegated Rules on the Calculation of Insurers’ Capital Requirements​ BETTER FINANCE welcomes the European Commission's efforts to review the prudential ...

BETTER FINANCE Responds to ​​European Commission Target Consultation on Supplementary Pensions​

​​BETTER FINANCE welcomes the European Commission’s intention to review the EU’s legal framework for supplementary pensions—the IORP II Directive and PEPP Regulation—as well as promote measures for the development of ...

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