Evaluation of the Consumer Credit Directive - Related Opinions

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Single market programme

Vedtaget on 17/10/2018
Reference: 
INT/859-EESC-2018-03034-00-00-AC-TRA
Referral: 
COM(2018) 441 final 2018/0231 CODCOM(2018) 441 final 2018/0231 COD
Rapporteur: 
Oliver RÖPKE (Workers - GR II / Austria)
Co-rapporteur: 
Violeta JELIĆ (Employers - GR I/Croatia)

The EESC welcomes in principle the integration of five predecessor programmes (and of the European Statistical Programme, though that extends beyond the scope of the single market) and a number of budget headings into a single market programme, as it can be expected to produce synergies and improve cost efficiency. Due to steadily increasing volume of work in consumer protection policy EESC urges the Commission to further develop cooperation with consumer networks and organisations and to increase funding for consumer protection. It is also concerned that the negotiations on the EU financial framework could result in cuts and thus in a lower budget than in the past.

Udvalgets udtalelse: Single market programme

Involvement of consumers and other financial services end-users in Union policy making in the field of financial services (2017-2020)

Vedtaget on 19/10/2016
Reference: 
INT/801-EESC-2016-04511-00-00-AC-TRA
Referral: 
COM(2016) 388 final 2016/0182 COD
Rapporteur: 
Reine-Claude MADER (France)

While supporting the pilot project to set up a financial expertise centre for consumers and end-users of financial services, the EESC feels it would be useful to call for a number of conditions to be met: legitimacy, financial independence, transparency and accountability, public visibility, as well as balance between financial sector professionals and users.

Udvalgets udtalelse: Involvement of consumers and other financial services end-users in Union policy making in the field of financial services (2017-2020)

Green paper on retail financial services and insurance

Vedtaget on 27/04/2016
Reference: 
INT/772-EESC-2015-06603-00-00-AC-TRA
Referral: 
COM(2015) 630 final
Rapporteur: 
Milena ANGELOVA (Employers - GR I / Bulgaria)

With this opinion the EESC takes the opportunity to comment on how the European market for retail financial services can be further opened up. The EESC welcomes that the Commission is on track and has an ambitious programme for implementing the Action Plan on Building a Capital Markets Union, also endorsing that consumers should be given the opportunity, whenever possible, to compare different products, so they can make an informed choice.

Udvalgets udtalelse: Green paper on retail financial services and insurance

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Key facts on cross-border consumer finance in Europe

Crowdfunding in the European Union

Vedtaget on 09/07/2014
Reference: 
INT/741-EESC-2014-02102-00-00-AC-TRA
Referral: 
COM(2014) 172 final
Rapporteur: 
Mr Juan Mendoza Catro (Workers - GR II / Spain)
Plenarforsamling: 
500 -
Jul 09, 2014 Jul 10, 2014

The EESC welcomes the Commission communication and emphasises the growth potential of crowdfunding in the EU as an alternative source of funding. It also emphasises the dependence of SMEs on bank loans, a situation that will persist despite the existence of alternative sources which are not always easy to access. Therefore Crowdfunding should be explicitly recognised in the laws of the Member States as a new form of patronage.

Udvalgets udtalelse: Crowdfunding in the European Union

Consumer Protection and over-indebtedness

Vedtaget on 29/04/2014
Reference: 
INT/726-EESC-2014-00791-00-00-AC-TRA
Plenarforsamling: 
498 -
Apr 29, 2014 May 30, 2014

Over-indebtedness has grown with the financial crisis, the rising cost of living and use of cash credit. However, it has not been properly addressed at EU level. The EESC wants that an appropriate uniform procedure is put in place including verification of claims, a European framework for usury or preventive measures.

Udvalgets udtalelse: Consumer Protection and over-indebtedness

The Single Market Act - identifying missing measures

Vedtaget on 16/10/2013
Reference: 
INT/688-EESC-2013-3154
Rapporteur: 
Ms Benedicte Federspiel (Diversity Europe - GR III / Denmark)
Co-rapporteur: 
Mr Ivan Voles (Gr. I, Employers - Czech Republic) and Mr Martin Siecker (Gr. II, Employees - the Netherlands)
Plenarforsamling: 
493 -
Oct 16, 2013 Oct 17, 2013

Udvalgets udtalelse: The Single Market Act - identifying missing measures

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