responsible credit

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EU Commission and Reduction of Non Performing Loans: consumer protection in danger

EU Commission and Reduction of Non Performing Loans: consumer protection in danger On the 18 January 2018, the European Commission published a progress report on the reduction of non-performing loans (NPL). As background to that report,  it is worth reading a recent article in Harvard Politics, which gives an attractive overview of some of the [...]

By | February 11th, 2018|Hot Topics, Reading Room, We Disseminate|Comments Off on EU Commission and Reduction of Non Performing Loans: consumer protection in danger

Innovative uses of consumer data by financial institutions

4 Augustus 2016 : European Banking Authority (EBA) discussion paper on innovative uses of consumer data by financial institutions. In this answer, EFIN has challenged many of the assumptions related to the benefits expected in terms of financial inclusion. EFIn is not denying the capacity of improvement for vulnerable public, but is uncertain about the [...]

By | September 13th, 2016|We Advocate|Comments Off on Innovative uses of consumer data by financial institutions

Pay-day lenders: why can we consider them as being bad players on the credit market?

March 2015 - Autor : Monika Attaité When credit use difficulties of the clients are a good business for lenders WORKING PAPER Pay-day lenders: why can we consider them as being bad players on the credit market? The study analyses the specificities of pay-day lenders products and industry (especially active in the US and in [...]

By | March 26th, 2015|Reading Room, We Research|Comments Off on Pay-day lenders: why can we consider them as being bad players on the credit market?

Study on interest rate in the EU

22 March 2011 - EU Consultation on the "Study on interest rate in the EU" EFIN answer includes inputs on the role of regulation when market competition is insufficient, when vulnerable are potentially exposed to exploitation rather than adequately served by credit providers. EFIN_interest rate restrictions consultation_VF_Sent

By | March 12th, 2011|We Advocate|Comments Off on Study on interest rate in the EU