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Green Paper on retail financial services

Green Paper on retail financial services: better products, more choice, and greater opportunities for consumers and businesses


The Green Paper seeks the views on how to improve choice, transparency and competition in retail financials services to the benefit of European consumers and how to facilitate true cross-border supply of these services, so that financial firms can make the most of the economies of scale in a truly integrated EU market. It is also looking at and discussing the impact of digitalisation on retail financial services with a view to allow for growth of innovative solutions in this area in the EU.

Target group

All interested parties are invited to respond to the consultation, and in particular individuals and consumers. We are also expecting to receive contributions from consumer organisations, financial industry associations, financial firms, public authorities and other concerned stakeholders.

How to submit your response

Please note that in order to ensure a fair and transparent consultation process only responses received through the online questionnaire will be taken into account and included in the report summarising the responses.

Consultation document

Please click here to view the Green paper document

Contact details

Responsible services:
DG Financial Stability, Financial Services and Capital Markets Union
Unit D3 – Retail financial services and Payments
Postal address:
European Commission
SPA2 04/069
1049 Brussels

Protection of personal data and privacy statement

Results of consultation and next steps

We have received 428 responses and thank all those who have contributed to this consultation.