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Consumer credit

Mad-Daqqa t’Għajn 06-09-2023

Governing consumer credit at EU level, the Consumer Credit Directive (CCD) has been in force since 2008. The European Parliament is expected to vote in plenary in September on the adoption of an agreement reached by the co-legislators on the Commission's proposal for a new directive to replace the current CCD. The goal is to enhance the protection of applicants for consumer credit and further harmonise the rules across Member States.

In light of the current needs to reduce energy demand to cope with supply difficulties resulting from the Russian-led war in Ukraine, the Economic Governance Support Unit together with services of EU national parliaments launched in mid-September an initiative to collect available public data on energy-saving measures decided or proposed by their government targeted to households, enterprises and public administrations at national levels. This document includes a summary of the national saving measures ...

Household consumption in the EU has major environmental impacts, which in a number of cases exceed planetary boundaries. Two thirds of consumers in the EU realise that their consumption habits have negative effects on the environment, and the solution that they mention most often is to change consumption habits and production patterns. However, a number of studies have shown a gap between consumers' good intentions and their actual behaviour. This happens because sustainability is not the only thing ...

This study analyses the current situation and key challenges with regard to housing affordability in the EU, as well as policies to ensure access to affordable housing at national and EU levels. After assessing the key trends, the authors also provide recommendations for policy makers and stakeholders on improving the affordability of housing. This document was provided by the Policy Department for Economic, Scientific and Quality of Life Policies at the request of the committee on Employment and ...

Living in the EU: The Economy

Mad-Daqqa t’Għajn 30-04-2019

While economic policies are mainly managed at national level, the European Union (EU) and its Member States (MS) annually coordinate national economic policies, budget, and macroeconomic as well as structural reforms within the European Semester. To design economic policies that shape European wellbeing, measuring the prosperity of people and MS is an important starting point for responses to the financial and economic crises that have strongly affected debt levels and the sustainability of public ...

Energy consumption in the EU

Briefing 30-04-2015

The EU Energy Efficiency Directive sets targets to cut primary and final energy consumption, with countries required to submit action plans to achieve national targets. Whilst progress has been made, the overall picture of fuel sources and user consumption in the EU remains fragmented along national lines. Energy consumption statistics measure both the use of primary fuels directly extracted or captured from natural resources, and of secondary energy sources which result either from energy transformation ...

Household Indebtedness in the EU

Analiżi fil-Fond 15-04-2010

This briefing note considers household indebtedness in the EU. It distinguishes the situation in different Member States, noting issues such as the different accounting drivers of indebtedness (e.g. mortgages, consumer credit). It considers the economic drivers of indebtedness and of increased indebtedness during the 2000s, reflecting upon both demand and supply factors (noting how interest rates have evolved in key Member States). It also briefly considers risks arising from high indebtedness.