Navigation path

Additional tools

FSUG Opinions

FSUGThe contents on this website reflect the views of the Members of the Financial Service User Group and cannot be attributed to the European Commission.
2015 | 2014 | 2013 | 2012 | 2011

2015

13.05.2015
FSUG response to Public consultation on the review of the Prospectus Directivepdf(169 KB) Choose translations of the previous link 
FSUG answers to question 1 & 5pdf(226 KB) Choose translations of the previous link 
FSUG response to Public consultation on Building a Capital Markets Unionpdf(155 KB) Choose translations of the previous link 
10.04.2015
FSUG reply to EIOPA-CP-15-001 – Consultation Paper on a Report on Good Practices on individual transfers of supplementary occupational pension rightspdf(440 KB) Choose translations of the previous link 
20.03.2015
Consultation of the Joint Committee of the European Supervisory Authorities (EBA, ESMA, EIOPA) - GUIDELINES FOR CROSS-SELLINGpdf(393 KB) Choose translations of the previous link 
02.03.2015
FSUG reply to EIOPA-CP-14-055 – Draft proposal for ITS on the procedures, formats and templates of the solvency and financial condition reportpdf(126 KB) Choose translations of the previous link 
FSUG reply to EIOPA-CP-15-053 – Consultation Paper on the draft proposal for Implementing Technical Standards on capital add-onspdf
12.02.2015
FSUG Response Discussion Paper of the Joint Committee of the three European Supervisory Authorities (EBA, EIOPA and ESMA) on Key Information Documents for PRIIPspdf(367 KB) Choose translations of the previous link 
12.02.2015
FSUG Response on Consultation on EBA/CP/2014/42 on “Draft Guidelines on creditworthiness assessment”pdf(509 KB) Choose translations of the previous link 
12.02.2015
FSUG Response on Consultation on EBA/CP/2014/43 on “Draft Guidelines on arrears and foreclosure”pdf(407 KB) Choose translations of the previous link 
09.02.2015
FSUG’s reply to the EBA consultation on "Guidelines on product oversight and governance arrangements for retail banking products"pdf(278 KB) Choose translations of the previous link 
09.02.2015
FSUG’s reply on Consultation EBA/CP/2014/34 on “Draft Guidelines on national provisional lists of the most representative services linked to a payment account and subject to a fee”pdf(344 KB) Choose translations of the previous link 
26.01.2015
FSUG’s reply to the EIOPA Consultation Paper on the proposal for Guidelines on product oversight & governance arrangements by insurance undertakingspdf(308 KB) Choose translations of the previous link 
13.01.2015
FSUG’s to the EIOPA Consultation Paper on Further Work on Solvency of IORPspdf(538 KB) Choose translations of the previous link 

2014

28.11.2014
FSUG’s reply to the EIOPA Consultation Paper on conflicts of interest in the sale of insurance-based investment productspdf(328 KB) Choose translations of the previous link 
17.11.2014
FSUG’s reply to European Commission Consultation Paper - Cross-border mergers and divisionspdf(73 KB) Choose translations of the previous link 
13.10.2014
FSUG’s reply to ESMA Consultation Paper - Draft technical standards on the Market Abuse Regulation (MAR)pdf(200 KB) Choose translations of the previous link 
29.08.2014
FSUG response to the European Ombudsman’s public consultation concerning the composition of European Commission expert groupspdf(517 KB) Choose translations of the previous link 
30.07.2014
Reply to ESMA MiFID II/ MiFIR Consultation Paperpdf(722 KB) Choose translations of the previous link 
07.07.2014
FSUG reaction to Public consultation on modalities for investment protection and ISDS in TTIPpdf(65 KB) Choose translations of the previous link 
03.06.2014
FSUG response to OECD Informal Consultation: Draft of the effective approaches to support the implementation of the remaining G20 High-level principles of financial consumer protectionpdf(441 KB) Choose translations of the previous link 
05.03.2014
Letter to MEP Jürgen Klute on the Payment Accounts Directivepdf(287 KB) Choose translations of the previous link 
07.02.2014
FSUG response to Joint Committee Consultation Paper on draft guidelines for complaints-handling for the securities (ESMA) and banking (EBA) sectorspdf(325 KB) Choose translations of the previous link 
04.02.2014
Consultation on the review of the Consumer Protection Cooperation (CPC) Regulation (2006/2004/EC)pdf(397 KB) Choose translations of the previous link 

2013

31.12.2013
Reply to the consultation on crowdfundingpdf(41 KB) Choose translations of the previous link 
02.08.2013
FSUG position on the Payments Accounts Directivepdf(172 KB) Choose translations of the previous link 
02.08.2013
Consultation on the review of the European System of financial supervisionpdf(532 KB) Choose translations of the previous link 
01.08.2013
FSUG reply to EIOPA discussion paper on single market for PPPspdf(838 KB) Choose translations of the previous link 
18.07.2013
Consumer protection in third-pillar retirement productspdf(754 KB) Choose translations of the previous link 
17.07.2013
Green Paper on the Insurance of Natural and Man-made Disasterspdf(532 KB) Choose translations of the previous link 
11.07.2013
Reforming the structure of the EU banking sectorpdf(303 KB) Choose translations of the previous link 
01.07.2013
Green Paper on Long-Term Financing of the European Economypdf(610 KB) Choose translations of the previous link 
25.06.2013
Letter to Commissioner Barnier on multilateral interchange fees for card paymentspdf(214 KB) Choose translations of the previous link 
26.03.2013
Paper on Draft Implementing Technical Standards on reporting of national provisions of prudential nature relevant to the field of occupational pension schemespdf(426 KB) Choose translations of the previous link 

2012

20.12.2012
A possible recovery and resolution framework for financial institutions other than bankspdf(127 KB) Choose translations of the previous link 
29.11.2012
A possible Framework for the Regulation of the Production and Use of Indices serving as Benchmarks in Financial and Other Contractspdf(119 KB) Choose translations of the previous link 
13.11.2012
High-level Expert Group’s Final report on Reforming the structure of the EU banking sectorpdf(122 KB) Choose translations of the previous link 
18.10.2012
UCITS VI long-term investmentspdf(62 KB) Choose translations of the previous link 
24.09.2012
Letter to Commissioner De Gucht on the impact of WTO rules on EU enhanced financial regulationpdf(142 KB) Choose translations of the previous link 
17.09.2012
Market manipulation: Lessons and reform post-LIBOR/EURIBORpdf(48 KB) Choose translations of the previous link 
05.07.2012
Letter to MEP Markus Ferberpdf(77 KB) Choose translations of the previous link 
29.06.2012
Letter to Mr Liikanen, Chairman of the High-level Expert Grouppdf(85 KB) Choose translations of the previous link 
21.06.2012
Future of European Insolvency Lawpdf(27 KB) Choose translations of the previous link 
12.06.2012
Bank accountspdf(327 KB) Choose translations of the previous link 
01.06.2012
Reform of the structure of the EU banking sectorpdf(41 KB) Choose translations of the previous link 
31.05.2012
Green Paper on shadow bankingpdf(66 KB) Choose translations of the previous link 
11.04.2012
Green Paper: Towards an integrated European market for card, internet and mobile paymentspdf(110 KB) Choose translations of the previous link 

2011

09.12.2011
Financial Stability Board (FSB) – Principles for Sound Residential Mortgage Underwriting Practicespdf(55 KB) Choose translations of the previous link 
23.11.2011
Recommendations on the use of Alternative Dispute Resolution to resolve disputes related to commercial transactions and practices in the EUpdf(34 KB) Choose translations of the previous link 
27.09.2011
Financial Stability Board (FSB) on Consumer Finance Protectionpdf(38 KB) Choose translations of the previous link 
19.09.2011
Social Business Initiative (SBI)pdf(73 KB) Choose translations of the previous link 
31.08.2011
OECD draft high-level principles on financial consumer protectionpdf(63 KB) Choose translations of the previous link 
04.08.2011
Letter to President Barroso on financial user representation and effective consumer protectionpdf(80 KB) Choose translations of the previous link 
20.07.2011
The EU corporate governance frameworkpdf(88 KB) Choose translations of the previous link 
14.07.2011
Letters on the withdrawal of legislative proposal on access to a basic payment account
30.06.2011
Central securities depositories (CSDs) and securities settlement in the EUpdf(41 KB) Choose translations of the previous link 
02.05.2011
Taxation problems that arise when dividends are distributed across borders to portfolio and individual investors and possible solutionspdf(529 KB) Choose translations of the previous link 
29.04.2011
Towards a coherent European approach to collective redresspdf(121 KB) Choose translations of the previous link 
08.04.2011
Use of Alternative Dispute Resolution (ADR)pdf(133 KB) Choose translations of the previous link 
22.03.2011
Interest rate restrictions in the EUpdf(64 KB) Choose translations of the previous link 
15.03.2011
Review of the Markets in Financial Instruments Directive (MiFID)pdf(111 KB) Choose translations of the previous link 
15.03.2011
UCITs depositary function and the UCITs managers’ remunerationpdf(64 KB) Choose translations of the previous link 
11.03.2011
Technical details of a possible EU framework for bank recovery and resolutionpdf(60 KB) Choose translations of the previous link 
07.03.2011
Review of the Insurance Mediation Directive (IMD)pdf(55 KB) Choose translations of the previous link 
28.02.2011
Level 2 implementing measures for Directive 2009/138/EC on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency 2)pdf(50 KB) Choose translations of the previous link 
19.02.2011
Reinforcing sanctioning regimes in the financial services sectorpdf(51 KB) Choose translations of the previous link 
15.02.2011
Packaged Retail Investment Products (PRIPs)pdf(32 KB) Choose translations of the previous link