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EFIN - a EU Network to tackle financial exclusion

A European Strategy Against Over-indebtedness: What could be done at the EU level?


The conference took place on Friday 12th December. The number of participants was over 180 persons!
The speakers presentations are available here under. In the coming weeks, stakeholders video interviews are going to be proposed on-line as well as the 4 panels and other keynote speakers.

Short video presentation - Brève présentation vidéo

Speakers presentations:

Olivier Micol - DG Justice & Consumers - European Commission The situation of over-indebtedness at early stage

Presentation of the EU Study on Over-indebtedness implemented by Civic Consulting for DG Sanco

Andrea Falanga - Réseau Financité & EFIN The situation of over-indebtedness at early stage

Preview on learnings based on EU indicators and experts knowledge

Alin Iacob - Association of Financial Services Users Panel 1: Cleaning the market from unfair practices and toxic products

Romanian situation about payday loan practices and lack of regulation

 Maxime Chipoy, UFC Que Choisir Panel 1: Cleaning the market from unfair practices and toxic products

Revolving credit regulation to limit use difficulties for the customers

Richard Piggin - Which? Panel 1: Cleaning the market from unfair practices and toxic products

Payday lenders: a UK regulation project

Richard Ahlström - Malmö University Panel 2: Build effective tools to detect and cure debt issues at early stage

Debt settlement plan and rehabilitation impact measures: learning fromNordic countries

Caroline Siarkiewicz, Money Advice Service Panel 2: Build effective tools to detect and cure debt issues at early stage

Money Advice service approach in the UK

Jan Siebols - Vroeg er op af, City of Amsterdam Panel 2: Build effective tools to detect and cure debt issues at early stage

An original approach to detect financial issues at early stage

Maxime Pekkip - Crésus Federation Panel 2: Build effective tools to detect and cure debt issues at early stage

Money advice and over-indebtedness prevention approach in France

Camille Dümm - Belgian National Bank Panel 3: EU indicators

A credit database designed for over-indebtedness prevention

Justyna Pytkowska, Microfinance Centre Panel 3: EU indicators

EU indicators: a research oriented point of view

Richard Ahlström - Malmö University Panel 4: From a “punishment model” to a “solution oriented” approach

 

Historical milestones in debt collection practices

Philippe Assedo, BNP-Paribas Personal Finance Panel 4: From a “punishment model” to a “solution oriented” approach

Innovative use of behavioral scoring to prevent financial issues of customers

Geert Lankhorst - Ministry of Security and Justice, the Netherlands Panel 4: From a “punishment model” to a “solution oriented” approach

A new concept "the unreasonably creditor position" that hinder debt settlements

 

An EU conference organised by EFIN and ECDN in partnership with the EESC.

The organisers would like to especially thank the program team of the conference for their hard work and dedication Anne Fily, BEUC (EU) - Richard Alström (SE) - Marcel Warnaar, NIBUD (NL) - Vilhelm Nordenanckar, Konsumenverket (SE) - Olivier Jérusalmy, EFIN (EU) as well as BEUC (EU) and Réseau Financité (BE) for their intense support

The fight against financial exclusion...

EFIN bases its actions upon the objective to tackle financial exclusion which refers to ”a process whereby people encounter
difficulties accessing and/or using financial services and products in the mainstream market that are appropriate to their needs and enable them to lead a normal social life in the society in which they belong”.

...is a common bond for a large range of stakeholders

The European Financial Inclusion Network (EFIN) is a coalition of European stakeholders (institutions and
individuals) involved in financial inclusion, including:
• European networks active in a more specific area of financial inclusion • Public institutions • Trade Unions • NGOs • Universities and Research institutes • Consumer protection organisations • Financial education practitioners • Debt counselling organisations representatives • Financial Institutions • Bank Associations

Financial Inclusion Priorities in Europe

See the new financial inclusion priorities in Europe.
Download the PDF version.