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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

Unmasking Digital Deception: A Data-Driven Approach to Mapping and Combating Online Investment Fraud in Europe

BETTER FINANCE supports the findings of a key report titled Unmasking Digital Deception: A Data-Driven Approach to Mapping and Combating Online Investment Fraud in Europe. This report highlights the alarming ...
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/ Research papers, FinTech, Other, 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

BETTER FINANCE feedback on the Open Finance Framework

BETTER FINANCE provided an initial feedback to the EC’s plans to create a system for accessing financial data (FIDA) to boost digital financial services by promoting competition. We suggest carefully ...
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/ Consultations, Banking, Capital Markets Union (CMU), FinTech, Other

BETTER FINANCE Feedback to the European Commission’s Withholding taxes – FASTER Proposal

BETTER FINANCE welcomes the European Commission’s WHT FASTER Proposal that has the potential to bring procedural progress in addressing longstanding obstacles to tax recovery for investors dealing with their cross-border ...
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/ Consultations, Capital Markets (equity & bonds), Capital Markets Union (CMU), Other

Time for the top management of BETTER FINANCE to evolve

As of July 1st, 2023,
  • Guillaume Prache will step down as Managing Director and Aleksandra Mączyńska, currently Executive Director, will become Acting Managing Director.
  • Matis Joab, currently Finance Officer, ...
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/ Press Releases, Other

Withholding taxes on dividends in the European Union: An uphill battle for individual shareholders

A recent survey conducted by BETTER FINANCE and DSW among 3000 investors across the EU found that withholding tax (WHT) refund procedures are cumbersome and costly, making it difficult or ...
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/ Research papers, Capital Markets (equity & bonds), Capital Markets Union (CMU), Other, Securities Markets & Trading, Shareholder Rights & Corporate Governance, Supervision & Redress

BETTER FINANCE joins forces in collective redress for individual Airbus investors

BETTER FINANCE, The European Federation of Investors and Financial Services Users, joins forces with Stichting Investor Loss Compensation (SILC), assisting Airbus shareholders recover losses resulting from Airbus’ involvement in bribery ...
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/ Press Releases, Other, Shareholder Rights & Corporate Governance

BETTER FINANCE response to EIOPA Public consultation on supervisory statement on differential pricing mechanisms in non-life insurances

Explanations A differential pricing mechanism in insurance contracts describes a practice by which an insurance company adapts the cost or price of the product/service on considerations other than the expected ...
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/ Consultations, Other

BETTER FINANCE answer to European Commission Consultation on resolving consumer disputes out-of-court

EXECUTIVE SUMMARY What is Alternative/Online Dispute Resolution (ADR/ODR)? Non-judicial procedures through which consumers (for our constituency, “retail” financial services users) can solve disputes with professionals and obtain redress for their ...
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/ Consultations, Other, Product governance & disclosures, Supervision & Redress

BETTER FINANCE appoints Jella Benner-Heinacher as its new President

From 15 June to 17 June, BETTER FINANCE, the European Federation of Investors and Financial Services Users, and its Member Organisations gathered in Athens for their General Assembly and International ...
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/ Press Releases, Other