Past Events

15Sep
2008

Over-Indebtedness in Europe. Defining Measures and Designing Policy Responses

Published in 
Seminars
Monday, 15 September, 2008 - 08:45 to 12:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

The provision of increasing amounts of new and innovative financial products as well as the expansion of access to credit and financial services is expected to prove beneficial to European consumers. However, the lack of financial education and literacy paired with insufficient information and advice may cause consumers to take unreasonable transaction decisions, potentially leading to financial difficulties and over-indebtedness.

07Feb
2008

Integration of Retail Banking in Europe: New Technologies. New Opportunities?

Published in 
Workshops
Thursday, 7 February, 2008 - 09:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

New technologies change retail banking. For consumers such technologies allow the conduct of financial transactions regardless of location and time. For banks, information technologies improve productivity as well as revenues.

16Oct
2007

Harmonisation of Credit Reporting Systems in Europe

Published in 
Roundtables
Tuesday, 16 October, 2007 - 09:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

Credit reporting - the collection of financial information on households and companies - is crucial for the sound functioning of credit markets in Europe.However, credit reporting systems and information collections are still not harmonised.

08May
2007

Financial Exclusion and Over-Indebtedness

Published in 
Workshops
Tuesday, 8 May, 2007 - 08:00 to 18:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

Throughout Europe, more and more households are financing their purchases with credit. This development has led to worries that it might result in over-commitment of consumers (over-indebtedness) and cause a rise in the number of households in financial difficulties.

21Nov
2006

Latest Developments of European Household Indebtedness

Published in 
Roundtables
Tuesday, 21 November, 2006 - 10:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

Household indebtedness is rising all over Europe and especially fast in the new EU member countries. The household debt-to-assets ratio for the Euro area has reached historical levels with 33 percent in 2004 (European Central Bank, June 2006). Indebtedness continues to increase from already historical levels.

27Jun
2006

Consumer Financial Capability

Published in 
Workshops
Tuesday, 27 June, 2006 - 09:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

In a market place with increasing variety and complexity of financial products, the consumer's information and education are essential. Empowered European consumers will be able to better compare products and to make better informed financial choices.

02Feb
2006

The 2nd modified draft Consumer Credit Directive

Published in 
Roundtables
Thursday, 2 February, 2006 - 11:45
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

Following the release of the EU Commission's second modified proposal for a Directive on Consumer Credit, the European Credit Research Institute (ECRI) organises on 2 February 2006 morning a Roundtable Discussion.

08Nov
2005

Consumer Financial Capability

Published in 
Workshops
Tuesday, 8 November, 2005 - 09:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

The First Consumer Financial Capability Workshop provides an opportunity to discuss the concept and definition of financial capability as well as methods to measure it. We also discuss the socio-economic determinants of consumers' financial capability as well as related policy and regulatory issues.

28Oct
2004

Integration of EU Retail Financial Market: A Challenge for Europe? (28 October 2004)

Published in 
Seminars
Thursday, 28 October, 2004 - 09:00
CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels

High level speakers, ranging from policy and law makers to representatives from consumer and industry groups as well as national representatives to the Council on the Draft consumer credit directive and Karel Lannoo, CEPS CEO discuss on the different aspects related to the integration of retail financial markets in the EU and the currently interesting example drawn by the consumer credit directive.

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