Consumer education and protection

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Inclusive Insurance: Closing the Protection Gap for Emerging Customers

IIF report examines issues and challenges around inclusive insurance

Institute of International Finance report examines how insurers are expanding into new markets and reaching underserved customers through new technologies, business models, product designs, a deeper understanding of customers, and partnerships. Discusses: i) market for inclusive insurance; ii) most important challenges in reaching this market; iii) innovative product lines and models in health and climate/weather-related insurance that show promise; and iv) the regulatory environment and how to ease the way for inclusive insurance.

Publisher: Industry Groups Release date: Jan 2018

Type: Consultative, discussion and issues paper

Topics: Consumer education and protection, Financial inclusion

Sectors: Insurance, Microinsurance

Women, Business and the Law 2018

WB discussion paper presents laws, regulations and policies that constrain women's economic choices

World Bank discussion paper demonstrates how government policies limit women's full economic participation through laws that restrict their ability to engage in entrepreneurial and employment activities. Key findings: i) in the past two years, there were 87 changes toward legal gender equality across 65 economies; ii) in 104 economies, women face gender-based job restrictions; 45 of economies covered have no laws specifically protecting women from domestic violence; iv) in 18 economies, husbands can legally prevent their wives from working; v) lower legal gender equality is associated with fewer girls attending secondary school relative to boys, fewer women working or running businesses and a wider gender wage gap; and vi) over the past two years, 65 economies carried out 87 reforms increasing women's economic opportunities.

Publisher: International Organizations Release date: Jan 2018

Type: Consultative, discussion and issues paper

Topics: Gender equality, Consumer education and protection, Financial inclusion

Sectors: Banking, Pensions, Microfinance

Code on Collective Investment Schemes

MAS amended CIS Code

Monetary Authority of Singapore amended code sets out best practices on management, operation and marketing of collective investment schemes that managers and approved trustees are expected to observe. Intended to enhance transparency and market discipline, improve operational effectiveness, and provide greater clarity to market practitioners.

Publisher: National Regulators Release date: Jan 2018 Country: Singapore

Type: Supervisory Practice

Topics: Corporate governance, Transparency and disclosure, Consumer education and protection

Sectors: Securities

Insurance Distribution Directive Implementation

FCA policy statement sets out near-final rules to implement the EU IDD

Financial Conduct Authority near-final rules to implement the European Union's Insurance Distribution Directive (IDD). Summarizes: i) changes to the FCA's requirements related to the distribution of insurance-based investment products and wider life insurance business; ii) changes to FCA rules to implement requirements in the IDD that applyto life and non-investment insurance business; iii) additional changes to the Handbook; and iv) feedback to quarterly consultations.

Publisher: National Regulators Release date: Jan 2018 Country: United Kingdom

Type: Implementation

Parent: Insurance Distribution Directive

Topics: Consumer education and protection, Corporate governance, Transparency and disclosure

Sectors: Insurance

Financial Literacy

TC Note discusses how financial literacy relates to financial sector policy objectives

Toronto Centre note to guide supervisors toward making appropriate choices when considering possible regulations, supervisory actions, or other steps that might be taken in the context of their particular circumstances. Note discusses: i) various dimensions of financial literacy; ii) barriers that consumers might face in achieving financial literacy; iii) how financial literacy can affect the achievement of supervisory objectives; iv) steps supervisors might need to take to achieve their objectives if the level of financial literacy is low; and v) roles supervisors can play in strengthening financial literacy.

Publisher: Toronto Centre Release date: Jan 2018

Type: TC Notes

Topics: Consumer education and protection, Financial inclusion, Conduct

Sectors: Banking, Insurance, Microfinance, Microinsurance, Pensions, Securities

Good Practices for Financial Consumer Protection

WB guidance on good practices in the design and implementation of consumer protection regimes in all financial sectors

World Bank Good Practices comprehensive guidance for assessing and strengthening consumer protection regimes in all parts of the financial sector. Addresses legal and regulatory frameworks, disclosure and transparency, business conduct practices, data protection and privacy, and dispute resolution. Provides a compilation of practices used successfully in a range of countries.

Publisher: International Organizations Release date: Dec 2017

Type: Sound Practice

Topics: Consumer education and protection, Conduct, Transparency and disclosure, Financial inclusion

Sectors: Banking, Insurance, Pensions, Securities

FCA Approach to Competition

FCA consultation on its approach to promoting competition in the interests of consumers

UK Financial Conduct Authority consultation sets out its approach to promoting competition, one of core objectives. Describes the FCA's role in promoting competition and its decision-making framework for identifying potential harm, diagnosing and remedying features of a market that do not work well for consumers, and evaluating the success of those remedies to inform our future decisions. Seeks comments on FCA's approach.

Publisher: National Regulators Release date: Dec 2017 Country: United Kingdom

Type: Consultative, discussion and issues paper

Peer: FCA Mission: Approach to Authorization, FCA Mission: Approach to Consumers

Topics: Consumer education and protection, Transparency and disclosure, Financial inclusion

Sectors: Banking, Insurance, Pensions, Securities

Deadline for comments: Mar 2018

EIOPA Consumer Trends Report

EIOPA report sets out latest developments affecting consumers in the insurance and pensions sectors in Europe

European Insurance and Occupational Pensions Authority report identifies current major trends reshaping the European insurance and pensions sector and having significant impact on business models. Addresses possible consumer protection detriments eventually arising from these developments.

Publisher: Regional Standard-Setting Bodies Release date: Dec 2017

Type: Consultative, discussion and issues paper

Topics: Consumer education and protection, Financial inclusion

Sectors: Insurance, Pensions

A Six-Ingredient Recipe for Data Protection

Results of CGAP research on privacy and data protection frameworks

Consultative Group to Assist the Poor report sets out results of research in 10 countries to learn what privacy and data protection frameworks are currently in place and how regulatory regimes differ around the world. Examines six issues: i) whether the country's constitution protects citizens' privacy; ii) whether there is a legal and regulatory framework for data protection; iii) which regulations apply to financial services providers (FSPs); iv) who is responsible for creating and enforcing regulations; v) whether there is capacity to enforce regulations; and vi) whether consumers have control of their own data. Advocates that regulators must devise and implement harmonized and comprehensive protections for customer data.

Publisher: International Organizations Release date: Dec 2017

Type: Consultative, discussion and issues paper

Topics: Consumer education and protection

Sectors: Banking, Insurance, Microfinance, Microinsurance, Pensions, Securities

Global Financial Inclusion and Consumer Protection Survey

WB 2017 report presents main findings of survey of financial sector authorities in 124 jurisdictions

World Bank survey provides global data to benchmark efforts by financial sector authorities to improve the enabling environment for financial inclusion and consumer protection. Covers key topics related to financial inclusion and financial consumer protection. Covers key topics related to financial inclusion and financial consumer protection and aligns with international guidance to financial sector authorities in these areas.

Publisher: International Organizations Release date: Dec 2017

Type: Consultative, discussion and issues paper

Topics: Financial inclusion, Consumer education and protection, Gender equality, Transparency and disclosure

Sectors: Banking, Microfinance

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Resources

382 records

Inclusive Insurance: Closing the Protection Gap for Emerging Customers

Women, Business and the Law 2018

Code on Collective Investment Schemes

Insurance Distribution Directive Implementation

Financial Literacy

Good Practices for Financial Consumer Protection

FCA Approach to Competition

EIOPA Consumer Trends Report

A Six-Ingredient Recipe for Data Protection

Global Financial Inclusion and Consumer Protection Survey

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