Enabling Transactions Archives

ACCIS response to public consultation on the Mortgage Credit Directive

Feb 28, 2022 | Enabling Transactions

In our response to the public consultation on the Mortgage Credit Directive, ACCIS illustrates that the requirement to base a creditworthiness assessment (CWA) on information on the consumer’s income and expenses and other financial and economic circumstances which is...

ACCIS policy recommendations on the revised Consumer Credit Directive

Feb 16, 2022 | Enabling Transactions

In our policy recommendations on the revised Consumer Credit Directive, we provide an overview of the functioning of creditworthiness assessments (CWAs) and credit scores in consumer lending decisions, an analysis of the role credit databases play, and targeted policy...

ACCIS letter to the EDPS on his opinion on consumer credits

Oct 15, 2021 | Enabling Transactions

In our letter to the European Data Protection Supervisor on his opinion on the European Commission’s proposed Directive on consumer credits, we note that it is not possible to predict today what data categories could be used tomorrow to improve consumers’ access...

ACCIS feedback on the Commission’s proposal to review the Consumer Credit Directive (CCD)

Sep 1, 2021 | Enabling Transactions

In our feedback on the proposed review of the Consumer Credit Directive, ACCIS welcomes the Commission’s proposal to review the Consumer Credit Directive (CCD). We think that the revised rules increase the level of consumer protection, facilitate access to consumer...

ACCIS response to public consultation on the New Consumer Agenda – Consumer Credit Directive

Oct 5, 2020 | Enabling Transactions

In our response to the public consultation on a new EU Consumer Agenda, ACCIS focuses on aspects in connection to consumer credit. ACCIS thinks that the scope of the Directive should be extended to cover all currently exempted credits. As a way to further improve...

ACCIS feedback to inception impact assessment on the review of the Consumer Credit Directive (CCD)

Sep 1, 2020 | Enabling Transactions

In our response to the public consultation on the inception impact assessment on the review of the Consumer Credit Directive (CCD), ACCIS states that the review should in the least touch upon the following two elements: (i) to include the principle of full-file credit...

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