Enabling Transactions Archives

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...

ACCIS letter on credit data and the COVID-19 pandemic

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...

ACCIS response to public consultation on guidelines on loan origination and monitoring

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...

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