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On Wednesday, 7 June 2023, the European Commission will be hosting in Brussels the annual Joint Conference on European Financial Integration, organised with the European Central Bank (ECB). Guillaume Prache, BETTER FINANCE’s Managing Director, will give a speech on The consumer perspective on Banking Union and Capital Market Union. More information and registration

SearchCategoryAllOther (9)Sort byDefaultDate (Newest)Date (Oldest)Title (A - Z)Title (Z - A) BETTER FINANCE – Annual Report 2022 ...Read More 19th June 2023 / Annual Reports BETTER FINANCE – Annual Report 2021 ...Read More 9th June 2022 / Annual Reports, Other BETTER FINANCE – Annual Report 2020 ...Read More 13th August 2021 / Annual Reports, Other

BETTER FINANCE welcomes this opportunity to comment on the proposal for a regulation establishing the programme for a single market and competitiveness of enterprises which will continue to support the specific activities covered by the 2017-2020 Capacity-Building Programme enhancing the involvement of consumers and other financial services end-users in Union policy-making, as set out in

SearchCategoryAllOther (9)Sort byDefaultDate (Newest)Date (Oldest)Title (A - Z)Title (Z - A) BETTER FINANCE – Annual Report 2022 ...Read More 19th June 2023 / Annual Reports BETTER FINANCE – Annual Report 2021 ...Read More 9th June 2022 / Annual Reports, Other BETTER FINANCE – Annual Report 2020 ...Read More 13th August 2021 / Annual Reports, Other

This report is a collaboration between analysts, actuaries, and researchers from consumer protection organisations. The purpose is to analyse and evaluate the fitness of a selection of life insurance companies’ solvency conditions and reporting. The solvency condition reflects how well-prepared an insurance company is to react and pay out insurance claims to policyholders in case

BETTER FINANCE finds that commission-based distribution models (kickbacks) cost individual investors up to 15% of their investments in sales commissions and generate conflicts of interest which severely hurt their performance. One of the main objectives of the European Commission’s “EU Strategy for Retail Investors” is to “ensure bias-free advice” for individual investors. It is meeting

In June 2021, the German Association of Insured (BdV), together with the analyst Carsten Zielke and the European consumer organisation BETTER FINANCE, presented the results of their analysis of the current SFCR (Solvency and Financial Condition Report) of selected European life-insurers. Following up on this, BETTER FINANCE and BdV discussed their methodological approach, the interpretation

In the study about the Solvency and Financial Condition Reports (SFCRs) – that have to be disclosed under the Solvency II Directive (Art. 51) – we take a closer look at eight different figures that are calculated and rated: Transparency, expressed on a point scale (from -2 to 19); Solvency ratio, expressed as a percentage

Today the European Parliament (EP) voted on the Economic and Monetary Affairs (ECON) Committee’s own-initiative report on the further development of the Capital Markets Union (CMU).[1] The report calls for specific measures to help finance businesses, promote long-term and cross-border investment, strengthen market architecture and support retail investors. With more than 15 resolutions proposed or

BETTER FINANCE welcomes the report from ESMA on the cost and performance of retail financial investment products in the EU that provides an initial mapping of the current state of the market concerning UCITS, AIFs and structured retail products (SRPs). This annual statistical report complements the other valuable research releases by ESMA – i.e. the

Long-term retail savings are the only EU consumer products for which consumers and Public Supervisors not only don’t have a clue as to their future performance, but they don’t even know what their past performance has been. On 10 January 2019, following a 2015 request by BETTER FINANCE , the European Supervisory Authorities (ESAs) finally

A BETTER FINANCE Research analysis of the reports prepared by the European Supervisory Authorities (ESAs) on the costs and past performances of financial investment and savings products distributed to retail financial services users in the European Union. Date: 21 January 2019 Authors: Stefan VOICU, voicu@betterfinance.eu Aleksandra MACZYNSKA, maczynska@betterfinance.eu Guillaume PRACHE, prache@betterfinance.eu

BETTER FINANCE’s full Response to the Targeted Consultation on SRDs – Shareholder Rights Directives (SRD1 and SRD2) for the European Commission by the CSES — [15 December 2023]. BETTER FINANCE advocates for the enforcement of investors’ and shareholders’ rights, underscoring the pivotal role of engagement as a cornerstone within robust green transition plans and corporate

This consultation, divided in two parts, addresses first the functioning of the ESG ratings market, its potential shortcomings, and the need for EU intervention. Second, it aims to inform the Commission on possible shortcomings in relation to the consideration of sustainability factors in credit ratings; on disclosures made by Credit Rating Agencies; and on the

The EU’s legislation in the fields of climate, energy and economic activities linked to greenhouse gas emissions needs to also take into consideration latest technological advancements and the way climate action can be incentivised for all.

The Retail Investment Strategy (RIS) compromise currently on the table for a European Parliament vote blatantly disregards the interests of retail investors and the establishment of a competitive Capital Markets Union (CMU). Should Ms Yon-Courtin’s proposed compromise be approved by the ECON committee on 20th March and subsequently put to a plenary vote one month

Business and individual investors organisations issue statement on the European Commission’s upcoming initiative on sustainable corporate governance. BETTER FINANCE joined ecoDa, European Family Businesses, EuropeanIssuers, Federation of European Securities Exchanges (FESE), Invest Europe and SMEUnited in issuing this Joint Letter to the European Commission to convey our shared concerns regarding the upcoming proposal on sustainable

BETTER FINANCE issued a Joint Letter regarding the European Commission’s initiative on Sustainable Corporate Governance. This communication asserts that leading European associations share a common perspective on the upcoming initiatives. Alongside BETTER FINANCE, co-signatories are EuropeanIssuers, ecoDa, European Family Businesses (EFB), Federation of European Securities Exchanges (FESE), Invest Europe, SMEunited.

Back in November 2017 we formed an Alliance to voice our disappointment with the European Commission’s proposal for the review of the European Supervisory Authorities (ESAs), and to make proposals to remedy the situation. The Alliance reiterated its main concerns in a joint statement in July 2018, following the report on the review by the

On 6 December the European Securities and Markets Authority (ESMA) announced the new composition of its Securities and Markets Stakeholder Group (SMSG). BETTER FINANCE thanks and congratulates ESMA for improving on the consumer and retail user representation within the SMSG, now at 11, up from 9 in the previous stakeholder group. To read the full

On 6 December the European Securities and Markets Authority (ESMA) announced the new composition of its Securities and Markets Stakeholder Group (SMSG). BETTER FINANCE thanks and congratulates ESMA for improving on the consumer and retail user representation within the SMSG, now at 11, up from 9 in the previous stakeholder group.

On 17 July EIOPA, the European Insurance and Occupational Pensions Authority announced the new composition of its two “stakeholder groups”: the Insurance and Reinsurance one (IRSG), and the Occupational Pensions one (OPSG). BETTER FINANCE thanks and congratulates EIOPA for successfully “seeking to strengthen representation of consumers”, especially in the OPSG where up to now BETTER

On 17 July EIOPA, the European Insurance and Occupational Pensions Authority announced the new composition of its two “stakeholder groups”: the Insurance and Reinsurance one (IRSG), and the Occupational Pensions one (OPSG). BETTER FINANCE thanks and congratulates EIOPA for successfully “seeking to strengthen representation of consumers”, especially in the OPSG where up to now BETTER

2 Degrees Investing Initiative* The 2° Investing Initiative (2DII) is an independent, non-profit think tank working to align financial markets and regulations with the ...Read More A.D.A.M. – Association pour la défense des Actionnaires Minoritaires A.D.A.M. the Association of Minority Shareholders is an association founded in 1991 whose purpose is to defend the collective interests