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A European perspective on overindebtedness

A new policy paper from Bruegel - "A European perspective on overindebtedness" Autors: Nicolas Véron and Jeromin Zettelmeyer "The euro-area crisis, which nearly destroyed Europe’s Economic and Monetary Union (EMU) in 2011-12, was a result of perverse incentives and inadequate institutions. The perverse incentives included excessive implicit national guarantees of domestic banks, and a lack [...]

By | October 5th, 2017|Hot Topics, Reading Room, We Disseminate|Comments Off on A European perspective on overindebtedness

REGISTER NOW! Big data and fintech: a solution to financial exclusion?

Big data and fintech: a solution to financial exclusion? Conference 17th October 2017, Brussels, co-organised by BEUC-ECRI-EFIN Place du Congrès, 1 – 1000 Brussels The conference will explore, from the perspective of financial inclusion, the potential risks and benefits of big data and fintech for citizens. The underlying question is whether regulators should take action [...]

By | October 3rd, 2017|Events, Hot Topics, We Disseminate|Comments Off on REGISTER NOW! Big data and fintech: a solution to financial exclusion?

Attempt to reform EU financial supervisory agencies keeps consumer protection sidelined

BEUC - PRESS STATEMENT - 20.09.2017 "The European Commission has today proposed a weak reform of the agencies1 that supervise financial services at European level. It is bewildering that the proposal still limits the agencies’ role in protecting consumers, which is mostly devolved to national level where protection standards vary enormously. The reform means the [...]

By | September 20th, 2017|Hot Topics, We Disseminate|Comments Off on Attempt to reform EU financial supervisory agencies keeps consumer protection sidelined

EBA launches consultation on significant risk transfer in securitisation

19 September 2017 The European Banking Authority (EBA) launched today a public consultation on its discussion paper on significant risk transfer in securitisation. This work builds on the EBA's monitoring activity of supervisory practices in the area of significant risk transfer, which the Authority started in 2014 with the publication of the EBA Guidelines on [...]

By | September 20th, 2017|Hot Topics, We Disseminate|Comments Off on EBA launches consultation on significant risk transfer in securitisation

The danger of driving both illicit markets and financial exclusion

Interesting position paper from FATF : The Financial Action Task Force (FATF) is an inter-governmental body established in 1989 by the Ministers of its Member jurisdictions.  The objectives of the FATF are to set standards and promote effective implementation of legal, regulatory and operational measures for combating money laundering, terrorist financing and other related threats [...]

By | September 18th, 2017|Hot Topics, Reading Room, We Disseminate|Comments Off on The danger of driving both illicit markets and financial exclusion

Meeting between French savings banks and UK Cooperatives

On 5th July, a meeting to build bridges between the French and English practices has been set up by The French Savings Banks Federation. Paul. A. Jones (Research Unit for Financial Inclusion - member of EFIN) and EFIN representative have been invited together with Nick Money (Director of the Centre for Cooperative Finance Europe) to [...]

By | August 9th, 2017|Events, We Disseminate|Comments Off on Meeting between French savings banks and UK Cooperatives

Fight against over-Indebtedness: a co-creative approach in Luxembourg

    During a full working day, a large range of stakeholders involved in the fight against Over-Indebtedness to identify, priorities, actions and collaborations to implement an holistic answer to this complex issue. EFIN support very much this type of initiative, has presented some figures on Luxembourg reality. Crésus (French debt advise network) took also [...]

By | August 8th, 2017|Events, We Advocate, We Disseminate|Comments Off on Fight against over-Indebtedness: a co-creative approach in Luxembourg

SAVE THE DATE – 17 Oct – Bigdata-Fintech & Financial exclusion

Conference 17th October 2017, Brussels, co-organised by ECRI-EFIN-BEUC Place du Congrès, 1 – 1000 Brussels The aim of the conference is to explore both the potential risks and the potential benefits for everyone in society of major innovations in financial services products and delivery systems. The underlying question is whether the regulator should act in [...]

By | August 7th, 2017|Events, Hot Topics, We Disseminate|Comments Off on SAVE THE DATE – 17 Oct – Bigdata-Fintech & Financial exclusion

Austria: a new regulation on personal bankruptcy !

Austria: a new regulation on personal bankruptcy ! - Information from ASB Schuldnerberatungen GmbH The personal bankruptcy procedure was amended in June 2017 in the Austrian Parliament and will become legally effective in November 2017. Personal bankruptcy is a form of judicial repayment proceedings that were established in 1995 and include a set of procedures [...]

By | July 24th, 2017|Hot Topics, Reading Room, We Disseminate|Comments Off on Austria: a new regulation on personal bankruptcy !

Conference on Personal Insolvency – European Parliament – 7 Dec 2016

© Union Européenne 2016 Personal Indebtedness, EFIN &ADLE Conference, THE PRESENTATIONS, 7th December, EU Parliament Personal Indebtedness in the EU EFIN and the ADLE group support MEP Sylvie Goulard initiative for this conference dedicated to EU initiative to treat and to prevent over-indebtedness. [...]

By | December 21st, 2016|Events, We Advocate, We Disseminate, We Research|Comments Off on Conference on Personal Insolvency – European Parliament – 7 Dec 2016