Consumer education and protection

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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

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

Implementation of G20/FSB Financial Reforms in Other Areas

FSB 2017 survey of implementation of the G20/FSB post-crisis recommendations

Financial Stability Board summary of status of implementation of G20/FSB recommendations covered by 2017 FSB Implementation Monitoring Network survey on the following areas: i) hedge funds; ii) securitization; iii) enhancing supervision; iv) building and implementing macroprudential frameworks and tools; v) improving oversight of credit rating agencies; vi) enhancing and aligning accounting standards; vii) enhancing risk management; viii) strengthening deposit insurance; ix) safeguarding integrity and efficiency of financial markets; and x) enhancing financial consumer protection.

Publisher: Global Standard-Setting Bodies Release date: Nov 2017

Type: Implementation

Peer: Implementation of G20/FSB Recommendations Related to Securities Markets , Implementation of Principal G20 Financial Regulatory Reforms

Topics: Securitization, Macroprudential, Accounting, actuarial and auditing , Deposit insurance, Consumer education and protection, Shadow banking

Sectors: Banking, Securities

Proposed Payment Services Bill

MAS draft legislation on payment services

Monetary Authority of Singapore proposal to enact a new payments legislation in the form of the proposed Payment Services Bill to: i) implement a single payment services licence to regulate existing and new payment services; ii) establish a regulatory structure for significant payment systems and retail payment services; and iii) address regulatory risks and concerns. By regulating the payment activities along the payment value chain and mitigating attendant risks, MAS aims to promote greater confidence among consumers and merchants to adopt electronic payments ("e-payments").

Publisher: National Regulators Release date: Nov 2017 Country: Singapore

Type: Consultative, discussion and issues paper

Topics: Financial market infrastructure, Financial inclusion, FinTech, Consumer education and protection, Operational risk

Sectors: Banking

Deadline for comments: Jan 2018

Understanding the Financial Lives of UK Adults

Findings from the FCA's Financial Lives Survey 2017

UK Financial Conduct Authority survey results on consumers and finance. Survey collects information about the financial products consumers use and their attitudes to managing their money. Covers their experiences of using financial products and services, as well as their experiences of dealing with the firms that provide them.

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

Type: Consultative, discussion and issues paper

Topics: Financial inclusion, Consumer education and protection

Sectors: Banking, Insurance, Pensions, Securities

Guidelines on Insurance-Based Investment Products

EIOPA guidelines on the sale of insurance products that have investment exposures deemed non-complex and complex

European Insurance and Occupational Pensions Authority guidelines on the sale of insurance-based investment products (IBIPs), including those where associated risks are difficult for the customer to understand. Those with complex features require that insurers and insurance distributors undertake greater due diligence to ensure the product is suitable and appropriate for the client.

Publisher: Global Standard-Setting Bodies Release date: Oct 2017

Type: Guideline

Parent: Insurance Distribution Directive

Peer: Guidelines on Product Oversight and Governance Arrangements by Insurers and Insurance Distributors

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

Sectors: Insurance

Depositor and Dormant Account Protection

PRA supervisory statement on its expectations regarding depositor protection rules

UK Prudential Regulation Authority supervisory statement sets out expectations on deposit-takers with regards to depositor protection rules. Areas covered include: i) eligibility for deposit protection; ii) disclosure; iii) marking eligible deposits and transitional issues; iv) temporary high balances; v) Dormant Account Scheme information requirements; vi) calculation of levies; vii) Single Customer View; viii) in-flight transactions; ix) continuity of access; and x) change in the deposit protection limit.

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

Type: Supervisory Practice

Topics: Deposit insurance, Consumer education and protection, Transparency and disclosure

Sectors: Banking

Banking in the M-PESA Age

CGAP working paper discusses how mobile money has changed the banking habits of Kenyans

Consultative Group to Assist the Poor working paper explores key strategies that banks in Kenya have used to respond to mobile money, including: i) direct competition over a mobile channel; ii) collaboration with mobile money providers to offer banking services; and iii) industry coordination to create alternatives to existing mobile money products.

Publisher: International Organizations Release date: Sep 2017 Country: Kenya

Type: Consultative, discussion and issues paper

Topics: Financial market infrastructure, Consumer education and protection

Sectors: Banking, Microfinance

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Resources

382 records

Good Practices for Financial Consumer Protection

EIOPA Consumer Trends Report

A Six-Ingredient Recipe for Data Protection

Global Financial Inclusion and Consumer Protection Survey

Implementation of G20/FSB Financial Reforms in Other Areas

Proposed Payment Services Bill

Understanding the Financial Lives of UK Adults

Guidelines on Insurance-Based Investment Products

Depositor and Dormant Account Protection

Banking in the M-PESA Age

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