BETTER FINANCE – the European Federation of Investors and Financial Services Users – is an independent organization of public interest and a center of expertise advocating and defending the interests of the end-users of financial services vis-à-vis the European authorities and lawmakers. To this end, Better Finance aims to influence financial regulation policy to directly benefit all financial services users including shareholders, investors, savers, life insurance policyholders, borrowers, and other stakeholders who are independent of the financial industry.