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This report aims to contribute to the debate on how the EU could most efficiently respond to the challenges posed and the deficiencies revealed by the financial crisis in the area of retail credit. It is based in part on discussions that took place within the CEPS-ECRI Task Force on A New Retail Credit Regime for Europe – Setting the Right Priorities, which met between May 2010 and January 2011. Given the policy directions, the discussions focused largely on the largest component of retail credit, mortgages. The report also reflects substantial independent research conducted by the authors.
The principal author is Achim Dübel, Director of Finpolconsult and former staff member of the financial sector development department of the World Bank and of empirica, a German housing and urban economics policy think tank. Marc Rothemund, Research Fellow, CEPS/ECRI, initiated the project.