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Reports & Brochures

Eurofinas publishes reports, brochures and pamphlets on a variety of different issues of key relevance to the European consumer credit industry.

Eurofinas Publication - "Credit scoring: What is it?"

In summer 2017, Eurofinas released a publication to showcase how credit scoring works and why it is a valuable tool for consumer credit providers. The leaflet explains how it works in practice, why it is a valuable tool and how credit scoring systems are developed. In addition, it highlights the key scorecard parameters used and explain what happens if the credit score is too low.

Download your copy here!

Eurofinas Publication - "Helping Borrowers with their Financial Situation"

In summer 2016, Eurofinas released a publication to showcase initiatives taken by our members in the fight against over-indebtedness. It features very contrete examples of assistance and advice to consumers that have been put in place in various countries.

To receive your copy of the Report, please contact Julie Debruyne

Eurofinas Roundtable on Big Data

In late spring 2015, Eurofinas organised a Roundtable on Big Data and the Consumer Credit Industry.

To receive your copy of the Report, please contact Julie Debruyne

Eurofinas Roundtable on Payment Protection Insurance

In February 2013, Eurofinas organised a Roundtable on Payment Protection Insurance (PPI).

To receive your copy of the Report, please contact Julie Debruyne

Second Edition of the E-Publication on Financial Education

The second edition of the E-publication on Financial Education showcases updated and further initiatives taken by the consumer credit industry to empower borrowers. It is the result of extensive collaboration between Eurofinas, its member associations, consumer credit providers and credit bureaux. It offers a unique overview of Financial Education initiatives launched by the consumer credit industry across Europe.

To request further information, please contact Julie Debruyne. To download the E-publication, please click here.

Title: Workshop on Consumer Credit Statistics
High quality statistics are essential to accurately size the European consumer credit market, ensure consumer credit providers are able to make informed decisions and allow policy makers to assess the potential impacts of regulation in the sector.
On 10 June 2011, Eurofinas organised a workshop to help promote a better understanding of European consumer credit statistics and identify issues that could lead to a lack of data comparability or a misrepresentation of the market size at European level.
The workshop was attended by over 30 experts from 9 European countries including representatives of the European Central Bank, national central banks and statistical institutions, EU institutions and consumer credit practitioners.
A report providing a brief overview of the main issues presented and discussed at the workshop has been published.
For information on how to obtain the report please contact Jurgita Bucyte.

Fraud prevention and data protection

Fighting fraud is an issue of crucial importance to both consumer credit providers and credit bureaus, in particular the issue of access to and exchange of fraud data. Currently, the lack of harmonisation in data protection rules at European level and the stringent nature of these rules are obvious obstacles in the fight against fraud.

As the European Commission is reviewing the European data protection framework, this timely report reflects on the impact of data protection rules on the fight against fraud in the area of consumer lending. It examines the different types of fraud in consumer lending, how lending institutions detect and fight fraud, the role of databases therein, the size and extent of the problem and the data protection obstacles faced.

Most importantly, concrete recommendations are made in the report towards ensuring that the future EU legislative framework in the area of data protection is appropriate and workable in practice.

To receive your copy of the report, please contact Julie Debruyne

Workshop on Consumer Credit Statistics

High quality statistics are essential to accurately size the European consumer credit market, ensure consumer credit providers are able to make informed decisions and allow policy makers to assess the potential impacts of regulation in the sector.

On 10 June 2011, Eurofinas organised a workshop to help promote a better understanding of European consumer credit statistics and identify issues that could lead to a lack of data comparability or a misrepresentation of the market size at European level.

The workshop was attended by over 30 experts from 9 European countries including representatives of the European Central Bank, national central banks and statistical institutions, EU institutions and consumer credit practitioners.

A report providing a brief overview of the main issues presented and discussed at the workshop has been published.

For information on how to obtain the report please contact Jurgita Bucyte.

E-publication on Financial Education

The 2009 E-publication on Financial Education showcases the initiatives taken by the consumer credit industry to empower borrowers. It is the result of extensive collaboration between Eurofinas, its member associations and consumer credit providers. It offers a unique overview of Financial Education initiatives launched by the consumer credit industry across Europe.

To request your copy of the e-publication or for further information, please contact Julie Debruyne

New Edition - Eurofinas Brochure on national codes of conduct for consumer lending

Responsible lending is a guiding principle for the specialised consumer credit providers that Eurofinas represents. To achieve this, it is key to promote a consistent, balanced and safe business environment where both consumers and credit providers’ interests are taken into account.

Eurofinas Brochure on national codes of conduct for consumer lending consists of a sample of self-regulatory codes of good practice that have been implemented by Eurofinas members in various European countries in recent years. The existence of these codes and the strict adherence thereto are testament to the commitment of the consumer credit industry to sound lending practices and safe credit markets.

To receive your copy of the brochure, please contact Julie Debruyne

Eurofinas Report on interest rate restrictions

On 10 September 2010, Eurofinas organised a half day discussion roundtable on interest rate restrictions in Brussels. The aim of this roundtable was to bring together European Commission officials and experts from different markets and professional backgrounds (lenders, academics, solicitors) to share their experiences and exchange views on pricing restrictions.

This Report on interest rate restrictions provides a brief overview of the main points presented and discussed at the roundtable:

• Risks of lending

• Calculation of average interest rates

• Unfairness of credit contracts

• Impacts of statutory pricing restrictions

To request further information, please contact Eurofinas at Julie Debruyne. To download the Brochure, please click here.