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In the first decade of the 21st century, loans denominated in or indexed to foreign currencies, in particular the Swiss franc, became very popular in a number of EU Member States, including Greece, Croatia, Hungary, Austria, Poland, Romania, and Slovenia, and also in two non-EU countries, Montenegro and Serbia. For a certain period, in some Member States these loans became the most popular type of loan issued to consumers. By pegging loans to a stable foreign currency, banks could lend more money ...

The European Parliament's own-initiative report on the banking union in 2019 is due to be debated during the March I plenary part-session. It touches on emerging challenges and actual risks for the European banking sector, stressing its role in funding the real economy, and addresses prudential and resolution rules. The report also restates the need to complete the banking union by establishing a fiscal backstop and a European deposit insurance scheme, and advocates greater active involvement for ...

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 briefing looks back at five years of existence of the ESRB and gives an overview of its concrete output. It will be regularly updated.

This study was commissioned by the European Parliament's Policy Department for Citizens' Rights and Constitutional Affairs at the request of the JURI Committee. It identifies and analyses the legal and practical difficulties that an EU citizen faces when buying properties abroad and investigates what can be done to assist an EU citizen when buying residential immovable property in another Member State, making ten recommendations to improve their lot.

In the blame game that followed the recent financial crisis, securitisation was held up as one of the main culprits. This reputation, amongst other factors, translated into a significant drop in issuance since the crisis, both in Europe and in the US. Nevertheless, the true picture is more nuanced − although securitisation presents real risks, it can also bring benefits to issuers, investors and the economy in general. Given this, and in the context of the current low-growth economic environment, ...

Inadequate consumer protection, especially in the U.S. mortgage market, not only led to considerable consumer detriment but was a major contributor to the global financial crisis. In the EU, mis-selling of financial products has also resulted in significant consumer harm. Considering the significant potential detriment that financial services can cause to individual consumers and to the Single Market, consumer protection policy needs to properly focus on this area. Improved transparency and better ...