Publications

30Jul
2020

Responsible lending in times of crisis

Published in: 
Other publications
Author(s): 
Beatriz Pozo Pérez, Willem Pieter de Groen

The new EBA guidelines on loan origination and monitoring aim to improve the lending standards and asset quality of lenders after June 2021, and bring together the prudential standards for lenders, borrower protection, anti-money laundering and sustainability

 

 

 

 

31Jan
2020

The impact of EU price rules: Interchange fee regulation in retail payments

Published in: 
Research Reports
Author(s): 
Willem Pieter de Groen

Debit and credit cards have gradually increased in importance as instruments for retail payments.

14Nov
2019

Key Findings from the ECRI Statistical Package 2019 on Lending to European Households and Non-Financial Corporations: Growth and Trends

Published in: 
Research Reports

In 2018, loans to EU households and non-financial corporations (NFC) increased by 2.7%, the second consecutive year of the expansion.

12Sep
2019

Data sharing in credit markets: Does comprehensiveness matter?

Published in: 
Research Reports
Author(s): 
Giovanni Barci, Galina Andreeva, Sylvain Bouyon

The originality of the present study is to analyse whether sharing more comprehensive data improves the functioning of credit markets in European countries. Does a higher comprehensiveness in the data collected matter for credit markets? 

 

 

 

 

 

 

 

 

02Sep
2019

ECRI Newsletter Nº 59, Summer 2019

Published in: 
Newsletters
Author(s): 
Karel Lannoo, Tarik Tawfik, Monique Goyens, Martin Schmalzried, Edward Simpson, Georg J Huber, Lucia Pecchini, Olivier Jerusalmy, Olha Cherednychenko, Marieke van Berkel, Chiara Dell’Oro, Mick McAteer, Lu Zurawski

The autumn season will be very busy with the confirmation of the new Commissioners and the start of the new College on November 1st.

05Mar
2019

Price rules in consumer credit: should the EU act?

Published in: 
Research Reports
Author(s): 
Inna Oliinyk, Sylvain Bouyon

Price rules are enacted to prevent some sub-prime lenders from wrongly exploiting the price-insensitivity of a significant share of sub-prime borrowers.

20Dec
2018

ECRI Newsletter Nº 58, Winter 2018

Published in: 
Newsletters
Author(s): 
Lu Zurawski, Merike Kukk, Frank Conway, Anna Ludwinek, Julie Perrin, Maxime Pekkip, Panajotis Papazoglou

Possible revision of the Consumer Credit Directive in view

28Sep
2018

Europe’s Payments Revolution

Published in: 
Research Reports
Author(s): 
Inna Oliinyk, William Echikson

In September 2019 Europe’s financial markets will undergo a revolution.

05Sep
2018

Consumer Credit, Digitalisation and Behavioural Economics: Are new protection rules needed?

Published in: 
Policy Briefs
Author(s): 
Janna Ayoub

In 2008, the Consumer Credit Directive (CCD) was significantly changed by adopting a targeted harmonisation approach that aimed at standardising information disclosure duties and imposing similar r

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