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Consumer protection - World Bank Internet Error Page …消费者保护世界银行网络错误页….ppt

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Consumer protection - World Bank Internet Error Page …消费者保护世界银行网络错误页….ppt

ECRI Seminar Good Practices of Consumer Protection in Financial Services Brussels, 16 October 2008 Sue Rutledge Regional Coordinator, Consumer Protection World Bank srutledge@ Many countries have little access to finance and little experience with financial products In emerging markets, rapid income growth has provided consumers with more resources to invest Rapid growth of household credit accompanied by greater difficulty to understand risks obligations Globalization of financial markets has brought new challenges in financial consumer protection Diagnostic Reviews in 9 Countries Good Practices were developed using international benchmarks European Union Directives Bank for International Settlements, Basel Committee International Organization of Securities Commissions International Association of Insurance Supervisors Organisation for Economic Co-operation and Development United Nations Laws and regulations of EU Member States (ex, France, Ireland, UK) Laws and regulations of Australia, Canada, Malaysia, Mexico, Peru, South Africa, United States (FTC, SEC, state laws) Codes of conduct of associations of banking, insurance, other segments Financial sector should provide consumers with: Transparency: Clear and comparable information about prices, terms and conditions of financial products and services, all written in plain language Choice: Non-coercive and reasonable practices in selling of products and collection of repayment Redress: Inexpensive and speedy mechanisms to address complaints and resolve disputes Privacy: Control over access to personal financial information Good Practices cover 8 areas Consumer protection institutions Disclosure and sales practices Customer account handling and maintenance Privacy and data protection Dispute resolution mechanisms Guarantee and compensation schemes Consumer empowerment and financial capability Competition 1. Consumer Protection Institutions Clear consumer protection rules with necessary institutional arrangemen