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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

BETTER FINANCE Asks EU Member States to be More Ambitious with Their European Savings Label Initiative

Brussels, 5 June 2025 - BETTER FINANCE, the voice of European savers and individual investors, expresses hopes but also concerns regarding the European Savings Label initiative to be launched today ...
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/ Press Releases, Capital Markets Union (CMU), PEPP, Product governance & disclosures, Retail Investment Strategy

Consultation Response to EIOPA’s Consultation on the Opinion of AI Governance and Risk Management

BETTER FINANCE welcomes EIOPA’s draft Opinion on AI governance and risk management in insurance undertakings. As the European-level representative of life insurance policyholders, BETTER FINANCE fully supports EIOPA's risk-based approach ...
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/ Consultations, Life Insurance & Pensions, Product governance & disclosures

Consultation Response on the EU Follow-on Prospectus and the EU Growth Issuance Prospectus

Targeted consultation on the reduced content and the standardised format and sequence of the EU follow-on prospectus and the EU growth issuance prospectus BETTER FINANCE welcomes the introduction of the ...
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/ Consultations, Capital Markets (equity & bonds), Product governance & disclosures, Retail Investment Strategy

Improving Retail Investment in the EU

Key points by civil society on the RIS trilogues from the individual investors' perspective. The Retail Investment Strategy was launched in May 2023, due to the realisation that consumers (i.e ...
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/ Position Papers, Capital Markets Union (CMU), Product governance & disclosures, Retail Investment Strategy

Joint response to the proposal of the Platform on Sustainable Finance on categorisation of products under the SFDR

The European Commission is expected to publish a proposal for the review of the SFDR in Q4 2025. This position paper provides an overview of BETTER FINANCE, BEUC, and Finance ...
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/ Position Papers, Product governance & disclosures, Sustainabe Finance

ESMA Reveals EU Individual Investors Still Losing Out: High Costs, Low Returns, and Ineffective Fund Management

Brussels | Press Release The European Securities and Markets Authority (ESMA) has just released its annual report on the costs and performance of EU retail investment products. While the report ...
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/ Press Releases, Capital Markets Union (CMU), Product governance & disclosures, Retail Investment Strategy, Securities Markets & Trading

BETTER FINANCE Welcomes Key Aspects of Commissioner-Designate Albuquerque’s Vision but Urges Stronger Focus on Retail Investor Protections

Brussles, 8 November 2024 - Press Release BETTER FINANCE, the European Federation of Investors and Financial Services Users, welcomes the appointment of Ms Albuquerque as Commissioner-Designate for Financial Services following ...
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/ Press Releases, Banking, Capital Markets (equity & bonds), Financial Education, Life Insurance & Pensions, Packaged Investment Products, Product governance & disclosures, Retail Investment Strategy, Sustainabe Finance

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’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