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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 Welcomes ESMA Report Showing ‘Free’ Advice Drains Nearly Half of Investor Fees, Eroding EU Retirement Savings

BETTER FINANCE welcomes ESMA’s recent publication of its groundbreaking report on “Total Costs of Investing in UCITS and AIFs”. The report sheds critical light on the true extent of the ...
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/ Press Releases, Product governance & disclosures, Retail Investment Strategy, Supervision & Redress

​​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 ...
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/ Press Releases, Life Insurance & Pensions, PEPP, Product governance & disclosures

​​SFDR Review Proposal: BETTER FINANCE Warns That Brussels Risks Repeating Old Mistakes —and Creating New Ones​

As the European Commission publishes its proposal to revise the Sustainable Finance Disclosure Regulation (SFDR), BETTER FINANCE welcomes steps towards improving the framework but urges policymakers to ensure that reforms truly strengthen ...
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/ Press Releases, Product governance & disclosures, Sustainabe Finance

BETTER FINANCE Welcomes the European Parliament’s Decision on the Omnibus File

This week’s decision by the European Parliament not to forward the Omnibus I Package to trilogue negotiations marks both a moment of opportunity and of caution for the future of ...
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/ Press Releases, Product governance & disclosures, Shareholder Rights & Corporate Governance, Sustainabe Finance

BETTER FINANCE calls for structural reform to deliver a truly investor-centric retail journey

Following the European Securities and Markets Authority’s (ESMA) initiative to map the “retail investor journey”, BETTER FINANCE welcomes this timely step towards putting citizens at the heart of capital markets ...
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/ Press Releases, Capital Markets (equity & bonds), Capital Markets Union (CMU), Digital Finance, Life Insurance & Pensions, Packaged Investment Products, Product governance & disclosures, Retail Investment Strategy, Savings and Investment Union

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

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

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