Deal on new measures to boost citizens’ investments in financial markets | News | European Parliament

https://www.europarl.europa.eu/news/en/press-room/20251215IPR32220/
Success
Service Enforcement - Investment Firm 25% Insurance Mediation 20%
Specialism Advertising 65% Customer Protection 60%
2026-02-12 15:44:03 · pipeline-test@vixio.com
ID
2865400
GUID
1a6fb5e73f0110bab958b061b118e7f0

Classification

Service
Enforcement - Investment Firm (25%)

This update concerns retail investment product suitability, advisor conduct, and capital markets investor protection—areas outside the payments scope despite tangential references to financial services.

Insurance Mediation (20%)

Insurance intermediaries are mentioned in the context of suitability requirements, but the update focuses on investment product advice and capital markets regulation rather than payment handling.

Specialism
Advertising (65%)

The update addresses investor protection and suitability requirements for financial advisors recommending investment products, which relates to conduct of business rules, but this category is excluded from the output taxonomy.

Customer Protection (60%)

The regulation of financial influencers and social media promotion of investment products touches on advertising and marketing rules, though the primary focus is broader investor protection rather than payment-specific advertising.

Parliament has struck an informal deal with Council on new rules to help retail clients invest in quality financial products and protect them from misleading or biased information.

productType:PRESS_RELEASE,com:ECON

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TITLE: European Parliament and Council Agree on Retail Investment Strategy to Strengthen Investor Protection BODY: On December 18, 2025, the European Parliament and Council reached an informal agreement on amendments to several European Union directives aimed at reinforcing investor protection and promoting retail participation in capital markets. The agreement, known as the Retail Investment Strategy (RIS), introduces comprehensive measures to ensure financial advisors act in clients' best interests and protect consumers from misleading information. The agreement establishes clear suitability requirements for financial and insurance advisors, who must assess clients' knowledge, experience, financial situation, risk tolerance, and investment objectives before recommending products. Investment firms must ensure products offer value for money and enable retail customers to compare costs, charges, performance, and benefits. The European Securities and Markets Authority (ESMA) and European Insurance and Occupational Pensions Authority (EIOPA) will develop supervisory benchmarks to help national competent authorities assess value for money compliance. The agreement addresses inducements from third parties, permitting them only when they enhance service quality and conflicts of interest are mitigated. Notably, the RIS introduces supervision of financial influencers and social media promotion of investment products. Investment firms using financial influencers must maintain written agreements, contact details, and exercise control over their activities. The agreement also mandates that European Union countries promote financial literacy and education measures, particularly targeting younger consumers vulnerable to online mis-selling. The provisional agreement requires formal approval from both the European Parliament and Council before entering into force. The agreement represents a significant step toward establishing a European savings and investment union while maintaining accessibility to financial advice.
  • ✓ Scraped:2026-02-12 15:44:03
  • ✓ Created:2026-02-12 15:44:03
  • ✓ By:pipeline-test@vixio.com (1)