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The introduction of SEPA has made a cross-border, single market a reality for consumers - just a decade after the single currency itself came into being. So European policymakers are now focusing on opening retail markets. But that requires consumers to have approriate financial education, suppliers to make effective disclosure and for intermediaries to accept a proper duty of care to their retail clients. The potential for mobile phone payments brings cross-border shopping even closer for many consumers and the Consumer Credit Directive should go some way to opening up cross-border credit intermediation. MiFID and UCITS have already produced cross-border investment products that are potentially substitutes for each other and insurance products are likely to follow so Packaged Retail Investment Products (PRIPs) will be spotlighted. 

So there are new opportunities for the bold consumer - but  policy-makers must ensure that there is effective and proportionate redress to avoid the dream going sour.

We will monitor developments in this diverse field and would welcome comments about additional policy areas that should be included.

EP Library: Transparent information for retail investors






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Consumer/Retail/PRIPS - 200512 articles out of 12.
08 Jul 2005 Commission report shows potential benefits of further integration

08 Jul 2005 Commission report shows potential benefits of further integration

13 Jun 2005 Commission sector inquiries into retail banking and business insurance

13 Jun 2005 Commission sector inquiries into retail banking and business insurance

02 Jun 2005 The Demographic Impact: Is the Pensions Crisis Mortality or Fertility?

02 Jun 2005 The Demographic Impact: Is the Pensions Crisis Mortality or Fertility?

06 May 2005 BdB comment on McCreevy Green Paper: Glass is only half full

06 May 2005 BdB comment on McCreevy Green Paper: Glass is only half full

20 Apr 2005 Speech McCreevy: The integration of Europe’s financial markets and international cooperation

20 Apr 2005 Speech McCreevy: The integration of Europe’s financial markets and international cooperation

10 Mar 2005 Speech: McCreevy outlines the Financial Services Agenda

10 Mar 2005 Speech: McCreevy outlines the Financial Services Agenda


Consumer/Retail/PRIPS - 20044 articles out of 4.
29 Oct 2004 Single Market News No. 35

29 Oct 2004 Single Market News No. 35

05 Jul 2004 Single Market News No 34

05 Jul 2004 Single Market News No 34