Opinions

The contents on this website reflect the views of the Members of the FIN-USE panel and cannot be attributed to the European Commission

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Opinions

Annual reports

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2010
  • Summary report on Reforming EU financial markets (June 2010) PDF - 157 KBEnglish
  • Comments on SEPA migration end-date (20.6.2010) PDF - 98 KBEnglish
  • Meeting (15.6.2010)
    • presentation by Dieter Korczak PDF - 46 KBEnglish
    • presentation PDF - 52 KBEnglish
  • Response to Consultation on the Study on tying and other potentially unfair commercial practices in the retail financial service sector (14.4.2010) PDF - 146 KBEnglish
  • Response to Consultation on the International Financial Reporting Standard (IFRS) for SMEs (11.3.2010) PDF - 28 KBEnglish
  • Opinion on the prices of current accounts (February 2010) PDF - 125 KBEnglish
  • Response to Consultation on the final report of the expert group on e-invoicing (February 2010) PDF - 107 KBEnglish
  • Feedback on an EU framework for cross-border crisis management in the banking sector (February 2010) PDF - 131 KBEnglish
  • Opinion on national experiences on unfair commercial practices in the EU (25.2.2010) PDF - 150 KBEnglish

2009
  • Correspondence with CESR:
    Letter of 12.11.2009 PDF - 96 KBEnglish
    Letter of 29.10.2009 PDF - 83 KBEnglish
    Letter of 25.9.2009 PDF - 185 KBEnglish
  • FIN-USE: Its future role (November 2009) PDF - 125 KBEnglish
  • Response concerning Stakeholder Groups of the European Supervisory Authorities (November 2009) PDF - 133 KBEnglish
  • Opinion on Communication from the Commission to the Council and the European Parliament on Packaged Retail Investment Products (16.11.2009) PDF - 163 KBEnglish
  • Response to Consultation on the adoption of International Standards on Auditing (October 2009) PDF - 116 KBEnglish
  • Response to Consultation document of the Commission services' (DG Internal Market and Services) on the UCITS Depository Function (September 2009) PDF - 147 KBEnglish
  • Response to Commission services staff working document on possible further changes to the CRD (September 2009) PDF - 138 KBEnglish
  • Response to Consultation on the Report of the Expert Group on Credit Histories (EGCH) (31.8.2009) PDF - 125 KBEnglish
  • Feedback to SEPA consultation on migration end-date(s) (3.8.2009) PDF - 149 KBEnglish
  • Response to CESR consultation on technical advice at level 2 on the format and content of Key Information Document disclosures for UCITS (August 2009) PDF - 153 KBEnglish
  • Response to Consultation on Responsible Lending and Borrowing in the EU (August 2009) PDF - 148 KBEnglish
  • Response to Consultation on the Review of Directive 94/19/EC on Deposit Guarantee Schemes (27.7.2009) PDF - 200 KBEnglish
  • Response to CESR consultation on MiFID complex and non-complex financial instruments for the purposes of the Directive's Appropriateness Requirements (6.7.2009) PDF - 174 KBEnglish
  • Response to Commission Communication on European Financial Supervision (July 2009) PDF - 184 KBEnglish
  • Response to Consultation document on Legislation on Legal Certainty of Securities Holding and Dispositions (June 2009) PDF - 173 KBEnglish
  • Response to Consultation on the Compensation of Victims of Cross-Border Road Traffic Accidents in the EU, (29.5.2009) PDF - 98 KBEnglish
  • FIN-USE Intervention: The view of the consumers, High Level Conference 'Towards a new supervisory architecture in Europe', (17.5.2009)
  • Position on Consumer Voice in Financial Services, (May 2009) PDF - 240 KBEnglish
  • Response to CESR Consultation on KID Disclosures for UCITS: The Questions of Special Interest to Retail Investors, (May 2009) PDF - 165 KBEnglish
  • Response to Consultation on the Future of Financial Services Supervision, (April 2009) PDF - 222 KBEnglish
  • Response to Consultation on Financial Inclusion: Ensuring Access to a Basic Bank Account, (April 2009) PDF - 163 KBEnglish
  • Response to the Call for evidence on Investor-Compensation Schemes Directive 1997/9/EC, (April 2009) PDF - 157 KBEnglish
  • Response to the review of Prospectus Directive (March 2009) PDF - 142 KBEnglish
  • Position on Solvency II regime - Principles to ensure end-user protection (March 2009) PDF - 235 KBEnglish
  • Response to the consultation document on Alternative Dispute Resolution in the area of financial services (March 2009) PDF - 145 KBEnglish
  • Response to Questions for retail investors on the CESR consultation paper 'Non-equity markets transparency' (March 2009) PDF - 185 KBEnglish
  • Letter to José Manuel Barroso concerning Spring European Council and G20 meeting in London – The voice of European users (15.3.2009) PDF - 100 KBEnglish
  • Opinion on the Communication concerning 'A European initiative for the development of micro-credit in support of growth and employment' (February 2009) PDF - 165 KBEnglish
  • Letter to José Manuel Barroso concerning user representation in the De Larosière Group (3.2.2009) PDF - 143 KBEnglish
  • Response to the consultation on Institutions for Occupational Retirement Provision (IORPs) (3.2.2009) PDF - 168 KBEnglish

2008
  • Reforming the Mortgage and Credit Markets - An Opinion (December 2008) PDF - 225 KBEnglish
  • SEPA – State of play from an end-user perspective (September 2008) PDF - 217 KBEnglish
  • Position on Insurance Block Exemption Regulation (19.7.2008) PDF - 91 KBEnglish
  • Position on possible changes to the Capital Requirements Directive (CRD) (16.6.2008) PDF - 138 KBEnglish
  • Letter to CESR concerning the Consumer's Guide to MiFID (24.5.2008) PDF - 84 KBEnglish
  • Response on Consumer Collective Redress Benchmarks (11.4.2008) PDF - 181 KBEnglish
  • Vision on Financial Education (January 2008) PDF - 165-175 KBEnglishCastellano

2007

  • Response on 'Substitutive' Retail Investment Products (14.12.2007) PDF - 215 KBEnglish
  • Response to the Green Paper on Retail Financial Services in the Single Market (3.11.2007)
  • Response to the Expert Group Report on Customer Mobility in relation to Bank Accounts (11.9.2007) PDF - 167 KBEnglish
  • Response to the public consultation on Fostering an Appropriate Regime for Shareholders' Rights – 3rd Consultation Document (6.9.2007) PDF - 156 KBEnglish
  • Response to the Initial Orientations of Possible Adjustments to the UCITS Directive (11.7.2007) PDF - 146 KBEnglish
  • Response to the Commission's consultation on the Implications for Users of Solvency II (15.1.2007) PDF - 141 KBEnglish

2006

  • Response to the Commission's Interim Report II regarding the Sector Inquiry on Retail Banking, more specifically Current Accounts and related services (10.10.2006) PDF - 175 KBEnglish
  • Response to the Report of the Alternative Investment Expert Group – Managing, servicing and marketing hedge funds in Europe (20.9.2006) PDF - 125 KBEnglish
  • Response to the Report of the Expert Group on the Market Efficiency of Investment Funds (20.9.2006) PDF - 88 KBEnglish
  • Response to the Commission's Call for Evidence on Pre- and post-trade transparency provisions of the Markets in Financial Instruments Directive (MiFID) in relation to transactions in classes of financial instruments other than shares (18.9.2006) PDF - 144 KBEnglish
  • Response to the Commission's Interim Report I on Payment Cards (Sector Inquiry under Article 17 Regulation 1/2003 on Retail Banking) (22.6.2006) PDF - 121 KBEnglish
  • Response to the Commission's Incentives paper regarding the Single Euro Payments Area (SEPA) (19.5.2006) PDF - 171 KBEnglish
  • Consultation on future priorities for the Action Plan on modernising company law and enhancing corporate governance in the EU (30.3.2006) PDF - 147 KBEnglish
  • Consumers' Voice in the European Financial Services Sector (16.1.2006) PDF - 96 KBEnglish

2005

  • Opinion on the European Commission Green Paper "Mortgage Credit in the EU" (30.11.2005) English
  • Opinion on the European Commission Green Paper on the enhancement of the EU framework for investment funds (November 2005) English
  • Response to the Commission's Consultative Working Paper on Deposit Guarantee Schemes (14.10.2005) English
  • Response to the Green Paper on Financial Services Policy (2005-2010) (27.7.2005) English
  • Response to second consultation document – Fostering an Appropriate Regime for Shareholder Rights (15.7.2005) English
  • Opinion on the Forum Group on Mortgage Credit Report "The Integration of the EU Mortgage Credit Markets" (18.4.2005) English
  • Opinion on the New Legal Framework for Payments in the Internal Market (3.2.2005) English

2004

  • Opinion on shareholders rights (12.10.2004) English
  • Opinion on the post-FSAP stocktaking group report (4.10.2004)
    • Executive summary DeutschEnglishFrançaisItaliano
    • Full text English