Commentaries

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Author(s): 
Fredrik Andersson, Judith Arnal, Beatriz Pozo Pérez

These ECRI Explainers delve into the payments and credit-related policies that will be the main focus of European legislation during the 2024-2029 institutional cycle.

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Author(s): 
Judith Arnal

Credit reference agencies, like the German SCHUFA, produce credit scores and reports of natural persons that are, for instance, used by banks as an input to help decide whether or not to grant loan

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Author(s): 
Fredrik Andersson, Judith Arnal

Increasingly popular and accessible, and expected to continue growing in popularity, crypto-assets have been available to buy for almost two decades.

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Author(s): 
Fredrik Andersson

The European Commission published a proposal on instant credit transfers in euro in October 2022.

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Author(s): 
Fredrik Andersson, Willem Pieter de Groen

Lower income households tend to be disproportionally affected by unexpected life events and economic shocks.

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Author(s): 
Beatriz Pozo Pérez, Willem Pieter de Groen

The ongoing digitalisation process is amplifying the importance of electronic payments for the functioning of the European economy.

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Following the rise in digital lenders and increasing online distribution of consumer credit, the European Commission proposed a revision of the Consumer Credit Directive (CCD) in June 2021.

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Author(s): 
Karel Lannoo

Tackling money laundering is a longstanding policy priority, but one pursued with limited success. The EU Commission is announcing an AML action plan in July, but a new approach is needed. 

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Author(s): 
Simon Krause

The growing choice of payment services should be good news for consumers, but only if they have complete information about the products being sold and the prices charged by each firm.

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