Advocating an EU Charter
for the Protection of End Users
in Financial Markets

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In a context where the sectoral approach still moulds EU financial legislation, one also witnesses a slow, albeit relentless, establishment of cross-sectoral rules aimed at protecting users of services, and products of different kinds. This offers the opportunity to identify, and to single out, a number of common core, general principles that address the issue of the protection of “users” of financial services across different sectors. There are sufficient grounds to envisage the drafting of an “EU Charter” to spell out such principles for the protection of end-users in the financial sector within the EU, with a high political value and significance.

The program, and the proposals, to be found in this paper, stem from various reflections elaborated during recent years on the approach that EU financial legislation follows in relation to the protection of “clients” in different contexts. Moving from the assumption that there is no single notion of “client” in the current state of the legislation across different sectors, and that the techniques that are employed by the architraves of EU financial legislative texts vary greatly from one field to the other, the purpose of this paper is to uphold the idea that there seems to be developing a core ...

À retrouver dans la revue
Banque et Droit NºHS-2023-1
Club Banque