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.
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.
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.
In this ECRI Commentary, Sylvain Bouyon, Research Fellow at ECRI and CEPS, offers an up-to-date analysis of recent trends and developments in European mortgage markets.
The European Commission’s Green Paper on retail financial services, published on December 10th, provides valuable insights into the possible benefits of a single market, as well as the obstacles to its development and the possible remedies.
The ECRI Commentaries Series provides short comments on ongoing developments as regards credit markets and other relevant developments in the field of financial services. ECRI researchers as well as external experts contribute to this series.
The institute's flagship publication provides the latest available statistical information on consumer and other credit to households in Europe, allowing its user to make meaningful comparisons between all 27 EU member states.
The ECRI Policy Brief Series provides short analyses of ongoing developments affecting credit markets in Europe. ECRI researchers as well as external experts contribute to this series.
The move to instant payments – is it really such ‘a seismic switch?’
The European Commission published a proposal on instant credit transfers in euro in October 2022.