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institut für finanzdienstleistungen

Identification number in the register: 96466191482-69
Registration date: 06/04/2009 20:47:28

The information on this entity was last modified on: 07/04/2014 10:47:50
The date of the last annual update was: 07/04/2014 10:47:50

This entry follows the format of the previous Register. It will be changed to the new format when the entity makes the next update.
Next update due latest on: 27/04/2015

    Registrant : Organisation or self-employed individual

institut für finanzdienstleistungen


reg. association

    Section of registration

IV - Think tanks, research and academic institutions

Think tanks and research institutions

    Contact details

Rödingsmarkt, 31/33
Hamburg 20459

(+0049) 403096910

(+0049) 4030969122

The institut für finanzdienstleistungen (iff) is an independent, internationally-oriented non-profit organisation providing research and advice in the field of sustainable financial services. The institute creates electronic data-processing programmes for providers of financial advice to consumers. It issues publications, assists with training and develops models for socially responsible loans, investments, payment methods and insurance. iff is financed exclusively through current projects and does not receive any public subsidy. It is a medium-sized enterprise, whose employees are drawn primarily from academic circles, the majority of whom have studied, lecture or practice law.

iff has conducted several studies for the European Commission over the past 20 years. The main focus of the iff is legal, social and economic questions in relation to retail financial services. iff was recently contracted for DG Internal Market’s study on "study on the impact of Directive 2007/64/EC on payment services in the internal market and on the application of Regulation (EC) No 924/2009 on cross-border payments in the Community" 2012, "study on interest rate restrictions" 2010, "Study on the costs and benefits of the EU policy options for mortgage credit" 2009 and “Equity Release Schemes in the EU” published in March 2009 which contained a legal and economic analysis of the situation for these types of financial services including an assessment of the potential barriers and consumer vulnerabilities in these markets.

Other relevant research studies iff has undertaken for the European Parliament and the European Commission include "impact assessment of the different measures within the Capital Requirements Directive IV" 2012, "training courses in Consumer Financial Advice (ConFinAd)" 2012-2014, "the calculation of the APRC" 1998, a comprehensive review of legislation and practices concerning "over-indebtedness" 2003.

    Person with legal responsibility

Mr  Udo Reifner


    Person in charge of EU relations

Mr  Sebastien Clerc-Renaud


    Goals / remit

Research in the field of financial services and consumer protection.

  • European
  • global
  • national
  • regional/local


iff has responded to consulations e.g. on bank accounts (DG MARKT), private pensions (DG SANCO).

    Number of persons involved in the activities described in the box above


    Persons accredited for access to European Parliament premises

No accredited persons

    Fields of interest

  • Budget
  • Competition
  • Consumer Affairs
  • Economic and Financial Affairs
  • Education
  • Employment and Social Affairs
  • Enlargement
  • General and Institutional Affairs
  • Information Society
  • Internal Market
  • Justice and Fundamental Rights
  • Research and Technology
  • Youth

    Membership and affiliation



European Coalition for Responsible Credit, ECRC,
European Consumer Debt Net, ECDN,

    Financial data

01/2012  -  12/2012

900,000 €

900,000 €

200,000 €


100,000 €


300,000 €

300,000 €




    Code of conduct

By its registration the organisation has signed the Transparency Register Code of Conduct.