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...
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...
May 6, 2020 | Enabling Transactions
In our letter on credit data in the context of the COVID-19 pandemic, we welcome the actions that public authorities and bodies at EU, Member-State and international levels have taken to support businesses and households as a result of the COVID-19 pandemic. We also...
Sep 30, 2019 | Enabling Transactions
In our response to the public consultation on loan origination and monitoring organised by the European Banking Authority (EBA), ACCIS recalls that creditworthiness assessments that use more comprehensive data are more accurate in predicting credit risk and...
Apr 9, 2019 | Enabling Transactions
In our response to the public consultation on the evaluation of the Consumer Credit Directive (CCD), ACCIS recalls that creditworthiness assessments are an important regulatory requirement to protect consumers from over-indebtedness and recommends five ways to improve...
Feb 20, 2019 | Enabling Transactions
In our letter, ACCIS recommends that the providers of microcredit assess the prospects of repayment and loan affordability on the basis of data that is relevant, adequate and necessary, including positive information, for each specific credit application. ACCIS also...
