European Banking Authority launches a consultation on Guidelines on loan origination and monitoring … afforded to bank customers, by promoting responsible credit granting and an appropriate monitoring of bank … the prevention and settlement of situations of arrears on credit agreements with bank customers. Among other aspects, … repeal – the guidelines previously issued by the EBA on the consumer’s creditworthiness assessment in respect of … News
Bank Customer Support Network … Bank Customer Support Network Consumer Website of the Directorate-General for Consumers (only in Portuguese) Executive Order No 2/2013 … face difficulties in complying with their obligations under credit agreements may use the Bank Customer Support Network. … is made up of centres of information and arbitrage for consumer conflict, regardless of their name, authorised to … Loans Arrears
Co-badged cards … or multi-function card (i.e. one that combines debit and credit functions) and the POS accepts the debit and credit brands on the card, holders can choose the payment … their account, or the payment brand associated with the credit function (for example, Visa or MasterCard), if they … Payments Cards
Useful links … Portuguesa de Bancos - APB) Association of Specialised Credit Institutions ( Associação de Instituições de Crédito … Guarantee Fund ( Fundo de Garantia de Depósitos - FGD) Consumer information Azores Consumer Association ( Associação dos Consumidores da Região … About the Website
European Commission launches public consultation on the distance marketing of financial services … consultation inviting all relevant stakeholders – including consumers – to express their views on the relevance, … of the Directive concerning distance marketing of consumer financial services ( Directive 2002/65/EC ). The … to these services (for instance the directives on consumer credit, mortgage credit or payment services). The Directive … News Digital channels
Banco de Portugal launches Fees Comparator associated to payment accounts … This tool allows consumers to quickly and easily compare the fees charged for … (including the package account), providing debit and credit cards, cash withdrawals, purchase of cheques and credit transfers. The Fees Comparator enables consumers to compare (by institution or service) the maximum … News
Account change … to change; Submission of available information on recurring credit transfers to the customer and recurring direct debits … payment account (for example, of the current account). Consumer bank customers and micro-enterprises can switch … if possible in an individualised manner: recurring credit transfers of which they are the beneficiary, standing … Deposits
Consultation paper on proposed guidance on the impact of sales incentives … 12:00 Inglês No FinCoNet - International Financial Consumer Protection Organisation Consultation paper on … guidance on the impact of sales incentives on the sale of consumer credit products. International fora Publications Language … guidance on the impact of sales incentives on the sale of consumer credit products. … Publications International fora
European Commission publishes a behavioural study on the impact of digitalisation of financial services on consumers’ decisions … on the impact of digitalisation of financial services on consumers’ decisions Thu, 2019-04-18 12:00 On 9 April, the … digital channels and the impact on the decisions made by consumers. Behavioural study on the digitalisation of the … digital channels and the impact on the decisions made by consumers. … News Digital channels
FinCoNet discussed market conduct supervision in a digital context … The International Financial Consumer Protection Organisation (FinCoNet) held its Annual … paper on guidance to supervisors' oversight of customer credit through digital channels. This guidance is the result … the latest initiatives in the scope of supervision of consumer credit marketing through digital channels. After … News