Nieuws-items bij Beleid interne markt
-
16-05Een bankrekening als je hem nodig hebt (en)
-
16-05Vicevoorzitter Almunia blij met VISA's voorstel om vergoedingen tussen banken voor creditcards af te schaffen (en)
-
16-05EU-experts zouden 23 miljoen banen kunnen creëren (en)
-
15-05Slimme tachograaf voor veiliger verkeer en eerlijker concurrentie (en)
-
14-05Commissie wil dat ACP-landen geografische indicatoren in voedsel opnemen (en)
-
14-05Almunia blij met voorstel Visa om kosten grensoverschrijdend geldverkeer te verlagen (en)
-
08-05'Door idee Rutte over openstellen Europese markt groei van ruim 1 procent'
-
08-05Bankrekeningen moeten goedkoper worden volgens EC
-
08-05Sta op voor je rechten (en)
-
08-05Het Hof handhaaft oordeel Gerecht over kartelvorming Italiaans bedrijf in synthetische rubbers (en)
-
08-05Overeenkomst Raad en EP over compromistekst richtlijn hypotheken (en)
-
08-05Overeenkomst richtlijn hypotheken bevestigd door ambassadeurs EU-lidstaten (en)
-
08-05Commissie wil openen van bankrekening vergemakkelijken en goedkoper maken (en)
-
08-05Extra uitleg over voorstellen omtrent bankrekeningen (en)
-
07-05Effect van 50 jaar EU-regelgeving op burgers en bedrijven
-
07-05Video viEUws.eu: EC-vertegenwoordiger Hansen over richtlijn bankrekeningen (en)
-
07-05Video viEUws.eu: Europarlementariër Timonen over EC-voorstel bankrekeningen (en)
-
06-05Debat over openstellen markten nationale spoorwegen (en)
-
03-05Iers voorzitterschap: MKB EU heeft potentieel voor 23 miljoen banen (en)
-
02-05Toegang tot financiën voor kleine bedrijven sleutel voor economisch herstel (en)
Investors buying financial products would get better information and more protection under proposed new measures.
As the financial crisis has demonstrated, the EU needs to strengthen its rules governing sales of investment products - to ensure that investors receive clearer information and better advice.
Rules have not kept pace with the increasingly complex products now on sale to ordinary investors. The Commission’s proposals aim to make sellers of investment products put their customers' interests first.
Filling the information gap
One proposal for a standard information document would require investment advisors to provide investors with certain key information for each product. The document would help investors:
identify the key information needed to make an informed decision
understand even complex investment products
compare the risks and costs of different products, to help them to choose the ones best suited to them.
Buying insurance - more protection
Current rules for insurance products are not applied consistently by EU countries and aren't detailed enough to provide adequate protection. Some sales are not covered by the rules at all.
The Commission is proposing common standards on all insurance sales , whether made through a broker or direct. The rules would guarantee consumers proper advice and information about the seller’s commission and other fees.
…and mutual funds
Some 75% of all collective investments made by small investors go to UCITS - European mutual funds. For investor safety, UCITS assets are held by a separate company known as a depositary, which also checks whether fund managers follow the rules.
The proposed measures would establish clearer and more uniform rules on UCITS , covering:
the duties and liabilities of depositaries
pay policies - to ensure they don't lead to excessive risk-taking and are closely linked to investors’ long-term interests and fund objectives
administrative penalties when UCITS, their managers or depositaries break EU law - penalties that are high enough to make breaking the law unprofitable.
Stronger rules would complement other EU measures to protect investors. These include providing access to investor compensation when things go wrong and more financial education and training.
Meer over...
Delen
