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Early detection and constructive response about households financial difficulties

Early detection and constructive response about households financial difficulties: EFIN Working paper EFIN Research - Working Group on Over-Indebtedness Participants : Iskra Balkanska (professeur-BG), Didier Gillet (Parcours Confiance-FR), Olivier Jérusalmy (EFIN-EU) Nadine Lilienthal (ESBG-EU), Nadzeya Sasnouskaya (EFIN-BE), Jan Siebolds (City of Amsterdam-NL), Theresa Tedd (Local Authority representative-UK), Fabien Tocqué (UNAF-FR)    

By | December 7th, 2016|Reading Room, We Advocate, We Research|Comments Off on Early detection and constructive response about households financial difficulties

Indicators to monitor over-indebtedness

Indicators to monitor over-indebtedness - EFIN Working Paper Working Group on Over-Indebtedness Participants: Justyna Pytkowska (coordinator – Microfinance Centre), Olivier Jérusalmy (EFIN), Andrea Falanga (EFIN), Beata Świecka (Szczecin University)  

By | December 7th, 2016|Reading Room, We Advocate, We Research|Comments Off on Indicators to monitor over-indebtedness

Unfair Lending Practices and Toxic Loans

Unfair Lending Practices and Toxic Loans - EFIN Working Paper Working Group on Over-Indebtedness: Participants : Farid Aliyev (BEUC), Anne Fily (BEUC), Olivier Jérusalmy (EFIN), Nadzeya Sasnouskaya (EFIN-BE)  

By | December 7th, 2016|Reading Room, We Advocate, We Research|Comments Off on Unfair Lending Practices and Toxic Loans

Impact of Big Data on Financial services (FSUG paper)

Impact of Big Data on Financial services (FSUG paper) - COFACE presentation to the 7th December Conference "Personal Insolvency", EU Parliament, Brussels  

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Data on over-indetedness, costs and benefit, key preventive measures- A French case

Data on overindetedness and key preventive measures, cost and benefit analysis - A French case Crésus presentation at the EU Parliament - EFIN conference on 7th December 2016

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Commission proposes new approach to business insolvency in Europe : country specific fact sheet

The European Commission is for the first time presenting a set of European rules on business insolvency today. Well-functioning insolvency and restructuring systems are key to supporting economic growth. This initiative aims to enhance the "rescue culture" in the EU. It will allow companies in financial difficulties to restructure early on so as to prevent [...]

By | November 27th, 2016|Hot Topics, Reading Room|Comments Off on Commission proposes new approach to business insolvency in Europe : country specific fact sheet

Early restructuring and a second chance for entrepreneurs: A modern and streamlined approach to business insolvency

EU Fact Sheet - November 2016 Every year in the EU, 200 000 firms go bankrupt, resulting in over 1.7 million people losing their jobs. A well-functioning insolvency framework is essential to support growth and business creation. That is why the European Commission is putting forward modern and streamlined insolvency rules that will facilitate restructuring, [...]

By | November 27th, 2016|Hot Topics, Reading Room|Comments Off on Early restructuring and a second chance for entrepreneurs: A modern and streamlined approach to business insolvency

Commission proposes new approach to business insolvency in Europe: promoting early restructuring to support growth and protect jobs

On 22 November 2016 - Commission has adopted its proposal for a Directive on preventive restructuring frameworks, second chance and measures to increase the efficiency of restructuring, insolvency and discharge procedures. A copy of the proposal can be found HERE The proposal will be now negociated with the Member States and the EU Parliament: EFIN [...]

By | November 27th, 2016|Hot Topics, Reading Room, We Advocate|Comments Off on Commission proposes new approach to business insolvency in Europe: promoting early restructuring to support growth and protect jobs

Finance Watch response to the European Commission’s consultation on the “Green paper on retail financial services: Better products, more choice, and greater opportunities for consumers and businesses”

2016 - Finance Watch response to the European Commission’s consultation on the “Green paper on retail financial services: Better products, more choice, and greater opportunities for consumers and businesses” Key points include: We support the green paper's objectives of harmonising consumer protection and lowering prices for consumers. However, the scope of the initiative should be [...]

By | October 6th, 2016|Reading Room|Comments Off on Finance Watch response to the European Commission’s consultation on the “Green paper on retail financial services: Better products, more choice, and greater opportunities for consumers and businesses”

BEUC RESPONSE to European Banking Authority Discussion Paper on future draft Regulatory Technical Standards on strong customer authentication and secure communication under the revised Payment Services Directive

2016 - BEUC RESPONSE to European Banking Authority Discussion Paper on future draft Regulatory Technical Standards on strong customer authentication and secure communication under the revised Payment Services Directive Security of payments is very important for consumers and payment service providers alike. We welcome the European Banking Authority (EBA) discussion paper on strong authentication and [...]

By | October 6th, 2016|Reading Room|Comments Off on BEUC RESPONSE to European Banking Authority Discussion Paper on future draft Regulatory Technical Standards on strong customer authentication and secure communication under the revised Payment Services Directive