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Non-performing loans in the Banking Union - Stocktaking and challenges

15-10-2018

This briefing gives a short introduction into the topic non-performing loans (NPLs), takes stock of the current situation in the euro area, touches on the impact of NPLs on credit supply, and summarises the activities taken at European level to address the problem.

This briefing gives a short introduction into the topic non-performing loans (NPLs), takes stock of the current situation in the euro area, touches on the impact of NPLs on credit supply, and summarises the activities taken at European level to address the problem.

Studies in Focus: Mis-selling of Financial Products

14-09-2018

This note, prepared by Policy Department A for the Committee on Economic and Monetary Affairs, gives an overview of five studies on Mis-selling of financial products which were published in June 2018.

This note, prepared by Policy Department A for the Committee on Economic and Monetary Affairs, gives an overview of five studies on Mis-selling of financial products which were published in June 2018.

Mis-selling of Financial Products: Consumer Credit

13-06-2018

This paper is part of a series of five studies on mis-selling of financial products in the EU. Retail financial markets across the EU have been upset by large-scale mis-selling of financial products to consumers. As part of a series of five studies on this topic, this paper examines the problem of mis-selling with a particular focus on consumer credit. It identifies the most problematic products and practices in consumer credit markets that may cause consumer detriment and shows some important limitations ...

This paper is part of a series of five studies on mis-selling of financial products in the EU. Retail financial markets across the EU have been upset by large-scale mis-selling of financial products to consumers. As part of a series of five studies on this topic, this paper examines the problem of mis-selling with a particular focus on consumer credit. It identifies the most problematic products and practices in consumer credit markets that may cause consumer detriment and shows some important limitations of the current EU regulatory framework for consumer credit in providing adequate consumer protection. This document was provided by Policy Department A at the request of the ECON Committee.

Awtur estern

Prof.dr. O. O. CHEREDNYCHENKO, J.-M. MEINDERSTMA

Non-performing loans in the Banking Union: state of play

13-07-2017

This briefing presents the state of play of non-performing loans (NPL) in the euro area, and provides an overview of the various measures implemented across Member States to facilitate their resolution. It also touches upon on-going initiatives at EU level and the debate in the public domain on the suitability of an EU-wide bad bank.

This briefing presents the state of play of non-performing loans (NPL) in the euro area, and provides an overview of the various measures implemented across Member States to facilitate their resolution. It also touches upon on-going initiatives at EU level and the debate in the public domain on the suitability of an EU-wide bad bank.

The Cost of Non-Europe in the Single Market. Part V - Consumer Acquis

02-10-2014

Cost of Non-Europe Reports identify the possibilities for economic or other gains and/or the realisation of a ‘public good’ through common action at EU level in specific policy areas and sectors. This Cost of Non-Europe Report seeks to analyse the costs for citizens, businesses and relevant stake-holders of remaining gaps and barriers in the European Single Market, building on and updating the 1988 Cecchini Report, which quantified its potential benefits.

This particular study - the fifth in a ...

Cost of Non-Europe Reports identify the possibilities for economic or other gains and/or the realisation of a ‘public good’ through common action at EU level in specific policy areas and sectors. This Cost of Non-Europe Report seeks to analyse the costs for citizens, businesses and relevant stake-holders of remaining gaps and barriers in the European Single Market, building on and updating the 1988 Cecchini Report, which quantified its potential benefits.

This particular study - the fifth in a series - analyses the gaps in European consumer legislation. It provides a qualitative appreciation of the existing legislation, identifying areas where further EU legislative action could be beneficial, and provides tentative estimates of the costs of failure to legislate. It is not intended as comprehensive quantification, but rather as a ‘snap shot’ of some benefits which could be attained through completion of the consumer acquis.

Awtur estern

Mark Peacock (GHK Int.)

Implementation of the Consumer Credit Directive

16-01-2012

The study examines the state and the main difficulties of the implementation of Directive 2008/48/EC on credit agreements for consumers using the examples of fourteen Member States of the European Union. The analysis focuses on fully harmonised aspects of the Directive as well as on the provisions for which the Member States were given a wide margin of appreciation in achieving the objective of the Directive and options provided by the Directive. Furthermore, new regulations and regulations requiring ...

The study examines the state and the main difficulties of the implementation of Directive 2008/48/EC on credit agreements for consumers using the examples of fourteen Member States of the European Union. The analysis focuses on fully harmonised aspects of the Directive as well as on the provisions for which the Member States were given a wide margin of appreciation in achieving the objective of the Directive and options provided by the Directive. Furthermore, new regulations and regulations requiring interpretation are dealt with. Finally, the study analyses the regulation of credit agreements which fall outside the scope of the Directive.

Awtur estern

Margaretha Lawrynowicz (in cooperation with Elwira Macierzyńska-Franaszczyk), Marc Barmscheid and Shaun Charlton

Stress tests on EU banks

05-05-2011

After a 2010 round of EU-wide stress testing failed to reveal problems in the Irish banking sector, a new round is being prepared in 2011, coordinated by the new European Banking Authority.

After a 2010 round of EU-wide stress testing failed to reveal problems in the Irish banking sector, a new round is being prepared in 2011, coordinated by the new European Banking Authority.

Household Indebtedness in the EU

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.

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.

Workshop on the Consumer Credit Directive

20-10-2007

Broad Economic Analysis of the Impact of the Proposed Directive on Consumer Credit

08-04-2007

Awtur estern

Dr Frank Alleweldt (Project Director) Prof. Dr. Hans-W. Micklitz Prof. Dr. Peter Rott Prof. Dr. Alistair Milne Prof. Dr. Luboš Tichý Dr Senda Kara Maren Osterloh Kristen Schubert Merle Achten

Avvenimenti fil-ġejjieni

06-07-2020
Geopolitical implications of the COVID-19 crisis - online hearing
Smigħ -
AFET
06-07-2020
Follow-up of OLAF case files, fighting fraud, corruption and other irregularities
Smigħ -
CONT
07-07-2020
STOA roundtable on deconfinement going digital: The rise of contact tracing apps
Sessjoni ta' ħidma -
STOA

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