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1998/0245(COD) Distance marketing of consumer financial services

Progress: Procedure completed

RoleCommitteeRapporteurShadows
Lead JURI BERGER Maria (icon: PES PES)
Former Responsible Committee ENVI OOMEN-RUIJTEN Ria (icon: PPE PPE)
Former Committee Opinion JURI BERGER Maria (icon: PES PES)
Former Committee Opinion ECON KESTELIJN-SIERENS Marie-Paule (Mimi) (icon: ELDR ELDR)
Lead committee dossier:
Legal Basis:
EC Treaty (after Amsterdam) EC 047-p2, EC Treaty (after Amsterdam) EC 055, EC Treaty (after Amsterdam) EC 095

Events

2009/11/20
   EC - Follow-up document
Details

The Commission presents a review on the functioning of distance marketing in financial services to ensure the adequate development of cross border distance marketing in this sector, pursuant to Article 20 of the Distance Marketing of Consumer Financial Services Directive

2002/65/EC (the Directive). The review focuses in particular on differences in national legislation relating to aspects of the Directive which are not fully harmonised, namely pre-contractual information provisions and the consumer's right of withdrawal. It evaluates the difficulties which consumers and suppliers may face as a result of these differences and assesses if there is a need to amend the Directive.

State of the market: the market for cross-border financial services business in general, independent of the marketing means, is still very limited in the retail sector, both in banking and insurance. While in 2007, over half (52%) of all Europeans made a purchase of goods or services by distance marketing in the EU, the figure for financial services by distance marketing was much lower, at 12%.

While the level is low, the trend in distance marketing of financial services is upward, given that the figure for 2006 was only about 7%. Looking at cross-border, as opposed to domestic trade in financial services, there is an even greater contrast. Of the 12% of European citizens who purchased a financial service of some kind by distance marketing, 10% did so from providers in their country, while only 1% purchased distance financial services from EU providers outside their country, and 1% from providers outside the EU. The most recent statistics show cross border trade in general to be stalling. The report notes that countries with high Internet penetration rates, such as the Nordic countries, are likely to have higher levels of distance marketing. As is the case for the cross border purchasing of general goods and services, the most recent Eurobarometer survey found that citizens rated language problems as the greatest barrier to purchasing financial services cross-border. The figure for language problems was 37%, followed by fraud risk (30%), incomprehensible (29%) or insufficient (26%) information and the extra costs involved (24%). The products which lend themselves to successful adaptation to distance marketing methods primarily include simple products within savings and investments, loans and non-life insurance categories.

Transposition: the report looks at pre-contractual rights to information granted under Article 4(2) of the Directive and at the right of withdrawal under Article 6 (3). It states that at present, there is no evidence that legal differences on the use of Article 4 (2) or 6(3) by Member States constitute major obstacles to existing transactions or that they have a direct impact on the level of distance marketing of financial services across the EU.

Overall impact of the Directive : the report notes that the barriers to the development of cross-border financial services business by distance marketing are mainly supplier-centred. However, only national anti-money laundering requirements and the lack of harmonisation of relevant national legislation, or absence of EU legislation, on points not included in the scope of the Directive are ranked by the study as very significant barriers. The most significant demand-side barriers come from differences in language and culture, as well as the absence of information on cross-border products. The Commission details the steps it has taken in order to improve the quality of pre-contractual information available to consumers. The Directive has created a legal framework for purchasing financial services via distance marketing tools. While domestic distance marketing of financial services has increased, albeit still at a low level overall, it cannot be concluded at this stage that the existence of this framework has had an impact on furthering the development of cross-border activities.

The main conclusions of the report are as follows :

The current market for distance selling of consumer financial services across borders is very small. In most Member States national implementation laws only came into force from 2005/2006 onwards and the market has not significantly changed since the Directive was introduced. The report states that the market may increase in the medium to long term because business attitudes are often framed more by perception than actual problems and because the growing popularity among consumers of transacting online will create a demand for cross border expansion. Language and cultural preferences represent the most significant barrier to consumers engaging in this market. However, the Commission cannot take any measure in this area. In relation to the absence of information on financial product legislation in particular markets, the Commission is undertaking significant steps to improve the quality of information in the area of credits and investments. Should future advances in e-commerce in general fail to be mirrored by similar developments in the area of distance marketing of financial services, the Commission may consider re-examining the case for amending the Directive or taking other relevant initiatives. At this stage, there is no evidence that consumers face problems arising from incorrect implementation of the Directive. Nor is there any evidence which would indicate that the legal diversity resulting from Member States using to a varying extent the options contained in the Directive has a direct impact on the low level of cross-border distance marketing of financial services.

Accordingly, the Commission takes the view that at present it is not appropriate to propose any amendments to the Directive.

Documents
COM(2009)0626
EUR-Lex
2006/04/06
   EC - Follow-up document
Details

In accordance with Article 20 of Directive 2002/65/EC the European Commission is expected to prepare a Report on the implementation of this Directive. Although implementation was due to have taken place by 9 October 2004, the European Commission notes that implementation has been delayed. By the end of 2004 only 8 Member States had notified the Commission of the Directive’s implementation. At the beginning of 2006, the Commission had only received communications from 20 Member States. In the case of two Member States, the Commission has brought the matter before the European Court of Justice and one further case is still being considered.

The Commission, therefore, argues that any examination of the Directive, within the meaning of Article 20, can not be conducted. In the absence of this requirement, the Commission has not been in a position to meet its obligations vis-à-vis Article 20.

In order to fully assess the impact of Directive 2002/65 on the internal market the Commission has launched a study in preparation for its Report. A comprehensive Commission Report, which addresses the question of implementation and any possible revision of the Directive, should be ready by 2008. The European Commission invites the European Parliament and the Council to take due note of this revised planning.

Documents
COM(2006)0161
EUR-Lex
2002/10/09
   Final act published in Official Journal
Documents
Directive 2002/65
OJ L 271 09.10.2002, p. 0016
2002/09/23
   CSL - Final act signed
2002/09/23
   EP - End of procedure in Parliament
2002/06/26
   EC - Commission opinion on Parliament's position at 2nd reading
Documents
COM(2002)0360
EUR-Lex
2002/06/26
   CSL - Act approved by Council, 2nd reading
2002/06/26
   CSL - Council Meeting
2002/05/14
   EP - Text adopted by Parliament, 2nd reading
Documents
T5-0218/2002
OJ C 180 31.07.2003, p. 0024-0108 E
2002/05/14
   EP - Decision by Parliament, 2nd reading
Documents
T5-0218/2002
2002/05/13
   EP - Debate in Parliament
Documents
Debate in Parliament
2002/04/16
   EP - Committee recommendation tabled for plenary, 2nd reading
Documents
A5-0122/2002
2002/04/16
   EP - Vote in committee, 2nd reading
2002/04/15
   EP - Committee recommendation tabled for plenary, 2nd reading
Documents
A5-0122/2002
2002/01/17
   EP - Committee referral announced in Parliament, 2nd reading
2002/01/14
   EC - Commission communication on Council's position
Documents
SEC(2002)0030
EUR-Lex
2001/12/19
   CSL - Council position
Documents
12425/1/2001
OJ C 058 05.03.2002, p. 0032 E
2001/12/19
   CSL - Council Meeting
2001/12/18
   CSL - Council position published
Documents
12425/1/2001
2001/09/27
   CSL - Council Meeting
2001/05/30
   CSL - Debate in Council
Documents
2351
2001/05/30
   CSL - Council Meeting
2001/03/12
   CSL - Debate in Council
Documents
2336
2001/03/12
   CSL - Council Meeting
2000/11/30
   CSL - Debate in Council
2000/04/13
   CSL - Debate in Council
Documents
2255
2000/04/13
   CSL - Council Meeting
1999/11/08
   CSL - Debate in Council
Documents
2213
1999/11/08
   CSL - Council Meeting
1999/09/23
   EP - BERGER Maria (PES) appointed as rapporteur in JURI
1999/07/23
   EC - Modified legislative proposal
Documents
EUR-Lex
OJ C 177 27.06.2000, p. 0021 E
COM(1999)0385
1999/07/22
   EC - Modified legislative proposal published
Documents
EUR-Lex
COM(1999)0385
1999/05/05
   EP - Text adopted by Parliament, 1st reading/single reading
Documents
OJ C 279 01.10.1999, p. 0163-0207
T4-0403/1999
1999/05/05
   EP - Decision by Parliament, 1st reading
Documents
T4-0403/1999
1999/05/04
   EP - Debate in Parliament
Documents
Debate in Parliament
1999/04/29
   ESC - Economic and Social Committee: opinion, report
Documents
CES0458/1999
OJ C 169 16.06.1999, p. 0043
1999/04/19
   EP - Committee report tabled for plenary, 1st reading/single reading
Documents
A4-0190/1999
OJ C 279 01.10.1999, p. 0004
1999/04/19
   EP - Vote in committee, 1st reading
1999/04/18
   EP - Committee report tabled for plenary, 1st reading
Documents
A4-0190/1999
1999/04/13
   CSL - Debate in Council
Documents
2171
1999/04/13
   CSL - Council Meeting
1999/01/21
   EP - BERGER Maria (PES) appointed as rapporteur in JURI
1998/12/07
   EP - KESTELIJN-SIERENS Marie-Paule (Mimi) (ELDR) appointed as rapporteur in ECON
1998/12/02
   EP - Committee referral announced in Parliament, 1st reading
1998/11/25
   EP - OOMEN-RUIJTEN Ria (PPE) appointed as rapporteur in ENVI
1998/11/23
   CSL - Debate in Council
Documents
2136
1998/11/23
   CSL - Council Meeting
1998/11/19
   EC - Legislative proposal
Documents
EUR-Lex
OJ C 385 11.12.1998, p. 0010
COM(1998)0468
1998/11/18
   EC - Legislative proposal published
Documents
EUR-Lex
COM(1998)0468

Documents

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Amending Directive 97/7/EC 1992/0411(COD) Amending Directive 98/27/EC 1996/0025(COD) Amended by 2003/0134(COD) Amended by 2005/0245(COD) Amended by 2013/0264(COD)
procedure/instrument/1
Amending Directive 90/619/EEC Amending Directive 97/7/EC 1992/0411(COD) Amending Directive 98/27/EC 1996/0025(COD) Amended by 2003/0134(COD) Amended by 2005/0245(COD) Amended by 2013/0264(COD)
2020-01-19Show (15) Changes | Timetravel
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2019-07-12Show (3) Changes | Timetravel
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2019-07-06Show (18) Changes | Timetravel
activities
  • date: 1998-11-19T00:00:00 docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1998&nu_doc=468 title: COM(1998)0468 type: Legislative proposal published celexid: CELEX:51998PC0468:EN body: EC commission: type: Legislative proposal published
  • body: CSL meeting_id: 2136 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2136*&MEET_DATE=23/11/1998 type: Debate in Council title: 2136 council: Economic and Financial Affairs ECOFIN date: 1998-11-23T00:00:00 type: Council Meeting
  • date: 1998-12-02T00:00:00 body: EP type: Committee referral announced in Parliament, 1st reading/single reading committees: body: EP responsible: False committee: ECON date: 1998-12-07T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: ELDR name: KESTELIJN-SIERENS Marie-Paule (Mimi) body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria body: EP responsible: False committee: JURI date: 1999-01-21T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: BERGER Maria
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  • date: 1999-05-04T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19990504&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 1999-05-05T00:00:00 docs: type: Decision by Parliament, 1st reading/single reading title: T4-0403/1999 body: EP type: Decision by Parliament, 1st reading/single reading
  • date: 1999-07-23T00:00:00 docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1999&nu_doc=385 title: COM(1999)0385 type: Modified legislative proposal published celexid: CELEX:51999PC0385:EN body: EC commission: type: Modified legislative proposal published
  • body: CSL meeting_id: 2213 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2213*&MEET_DATE=08/11/1999 type: Debate in Council title: 2213 council: Consumers date: 1999-11-08T00:00:00 type: Council Meeting
  • body: CSL meeting_id: 2255 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2255*&MEET_DATE=13/04/2000 type: Debate in Council title: 2255 council: Consumers date: 2000-04-13T00:00:00 type: Council Meeting
  • date: 2000-11-30T00:00:00 body: CSL type: Debate in Council
  • body: CSL meeting_id: 2336 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2336*&MEET_DATE=12/03/2001 type: Debate in Council title: 2336 council: Competitiveness (Internal Market, Industry, Research and Space) date: 2001-03-12T00:00:00 type: Council Meeting
  • body: CSL meeting_id: 2351 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2351*&MEET_DATE=30/05/2001 type: Debate in Council title: 2351 council: Competitiveness (Internal Market, Industry, Research and Space) date: 2001-05-30T00:00:00 type: Council Meeting
  • date: 2001-09-27T00:00:00 body: CSL type: Council Meeting council: Competitiveness (Internal Market, Industry, Research and Space) meeting_id: 2371
  • body: CSL meeting_id: 2402 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=12425%2F01&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC type: Council position published title: 12425/1/2001 council: Agriculture and Fisheries date: 2001-12-19T00:00:00 type: Council Meeting
  • date: 2002-01-17T00:00:00 body: EP type: Committee referral announced in Parliament, 2nd reading committees: body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria
  • body: EP committees: body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A5-2002-122&language=EN type: Committee recommendation tabled for plenary, 2nd reading title: A5-0122/2002 date: 2002-04-16T00:00:00 type: Vote in committee, 2nd reading
  • date: 2002-05-13T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=20020513&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 2002-05-14T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=TA&language=EN&reference=P5-TA-2002-218 type: Decision by Parliament, 2nd reading title: T5-0218/2002 body: EP type: Decision by Parliament, 2nd reading
  • date: 2002-06-26T00:00:00 body: CSL type: Council Meeting council: Health meeting_id: 2440
  • date: 2002-09-23T00:00:00 body: CSL type: Final act signed
  • date: 2002-09-23T00:00:00 body: EP type: End of procedure in Parliament
  • date: 2002-10-09T00:00:00 type: Final act published in Official Journal docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=32002L0065 title: Directive 2002/65 url: http://eur-lex.europa.eu/JOHtml.do?uri=OJ:L:2002:271:SOM:EN:HTML title: OJ L 271 09.10.2002, p. 0016
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council
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  • body: CSL type: Council Meeting council: Consumers meeting_id: 2255 url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2255*&MEET_DATE=13/04/2000 date: 2000-04-13T00:00:00
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  • body: CSL type: Council Meeting council: Consumers meeting_id: 2171 url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2171*&MEET_DATE=13/04/1999 date: 1999-04-13T00:00:00
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docs
  • date: 1998-11-19T00:00:00 docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1998&nu_doc=468 title: EUR-Lex url: https://eur-lex.europa.eu/JOHtml.do?uri=OJ:C:1998:385:SOM:EN:HTML title: OJ C 385 11.12.1998, p. 0010 title: COM(1998)0468 summary: type: Legislative proposal body: EC
  • date: 1999-03-05T00:00:00 docs: title: PE229.267 type: Committee draft report body: EP
  • date: 1999-03-10T00:00:00 docs: title: PE229.267/B type: Committee draft report body: EP
  • date: 1999-03-25T00:00:00 docs: title: PE229.869/AM type: Amendments tabled in committee body: EP
  • date: 1999-03-25T00:00:00 docs: title: PE229.869/AM- type: Amendments tabled in committee body: EP
  • date: 1999-04-06T00:00:00 docs: title: PE229.267/REV type: Committee draft report body: EP
  • date: 1999-04-12T00:00:00 docs: title: PE229.760/DEF committee: ECON type: Committee opinion body: EP
  • date: 1999-04-12T00:00:00 docs: title: PE229.869/DEF committee: JURI type: Committee opinion body: EP
  • date: 1999-04-19T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1999-190&language=EN title: A4-0190/1999 url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1999:279:TOC title: OJ C 279 01.10.1999, p. 0004 type: Committee report tabled for plenary, 1st reading/single reading body: EP
  • date: 1999-04-29T00:00:00 docs: url: https://dm.eesc.europa.eu/EESCDocumentSearch/Pages/redresults.aspx?k=(documenttype:AC)(documentnumber:0458)(documentyear:1999)(documentlanguage:EN) title: CES0458/1999 url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1999:169:TOC title: OJ C 169 16.06.1999, p. 0043 type: Economic and Social Committee: opinion, report body: ESC
  • date: 1999-05-05T00:00:00 docs: url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1999:279:TOC title: OJ C 279 01.10.1999, p. 0163-0207 title: T4-0403/1999 summary: type: Text adopted by Parliament, 1st reading/single reading body: EP
  • date: 1999-07-23T00:00:00 docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1999&nu_doc=385 title: EUR-Lex url: https://eur-lex.europa.eu/JOHtml.do?uri=OJ:C:2000:177E:SOM:EN:HTML title: OJ C 177 27.06.2000, p. 0021 E title: COM(1999)0385 summary: type: Modified legislative proposal body: EC
  • date: 2001-12-19T00:00:00 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=12425%2F01&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC title: 12425/1/2001 title: OJ C 058 05.03.2002, p. 0032 E summary: type: Council position body: CSL
  • date: 2002-01-14T00:00:00 docs: url: http://www.europarl.europa.eu/RegData/docs_autres_institutions/commission_europeenne/sec/2002/0030/COM_SEC(2002)0030_EN.pdf title: SEC(2002)0030 url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=SECfinal&an_doc=2002&nu_doc=30 title: EUR-Lex summary: type: Commission communication on Council's position body: EC
  • date: 2002-02-11T00:00:00 docs: title: PE312.767 type: Committee draft report body: EP
  • date: 2002-03-12T00:00:00 docs: title: PE312.767/AM type: Amendments tabled in committee body: EP
  • date: 2002-04-16T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A5-2002-122&language=EN title: A5-0122/2002 type: Committee recommendation tabled for plenary, 2nd reading body: EP
  • date: 2002-05-14T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=TA&language=EN&reference=P5-TA-2002-218 title: T5-0218/2002 url: https://eur-lex.europa.eu/JOHtml.do?uri=OJ:C:2003:180E:SOM:EN:HTML title: OJ C 180 31.07.2003, p. 0024-0108 E summary: type: Text adopted by Parliament, 2nd reading body: EP
  • date: 2002-06-26T00:00:00 docs: url: http://www.europarl.europa.eu/RegData/docs_autres_institutions/commission_europeenne/com/2002/0360/COM_COM(2002)0360_EN.pdf title: COM(2002)0360 url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=2002&nu_doc=360 title: EUR-Lex summary: type: Commission opinion on Parliament's position at 2nd reading body: EC
  • date: 2006-04-06T00:00:00 docs: url: http://www.europarl.europa.eu/registre/docs_autres_institutions/commission_europeenne/com/2006/0161/COM_COM(2006)0161_EN.pdf title: COM(2006)0161 url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=2006&nu_doc=161 title: EUR-Lex summary: In accordance with Article 20 of Directive 2002/65/EC the European Commission is expected to prepare a Report on the implementation of this Directive. Although implementation was due to have taken place by 9 October 2004, the European Commission notes that implementation has been delayed. By the end of 2004 only 8 Member States had notified the Commission of the Directive’s implementation. At the beginning of 2006, the Commission had only received communications from 20 Member States. In the case of two Member States, the Commission has brought the matter before the European Court of Justice and one further case is still being considered. The Commission, therefore, argues that any examination of the Directive, within the meaning of Article 20, can not be conducted. In the absence of this requirement, the Commission has not been in a position to meet its obligations vis-à-vis Article 20. In order to fully assess the impact of Directive 2002/65 on the internal market the Commission has launched a study in preparation for its Report. A comprehensive Commission Report, which addresses the question of implementation and any possible revision of the Directive, should be ready by 2008. The European Commission invites the European Parliament and the Council to take due note of this revised planning. type: Follow-up document body: EC
  • date: 2009-11-20T00:00:00 docs: url: http://www.europarl.europa.eu/registre/docs_autres_institutions/commission_europeenne/com/2009/0626/COM_COM(2009)0626_EN.pdf title: COM(2009)0626 url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=2009&nu_doc=626 title: EUR-Lex summary: The Commission presents a review on the functioning of distance marketing in financial services to ensure the adequate development of cross border distance marketing in this sector, pursuant to Article 20 of the Distance Marketing of Consumer Financial Services Directive 2002/65/EC (the Directive). The review focuses in particular on differences in national legislation relating to aspects of the Directive which are not fully harmonised, namely pre-contractual information provisions and the consumer's right of withdrawal. It evaluates the difficulties which consumers and suppliers may face as a result of these differences and assesses if there is a need to amend the Directive. State of the market: the market for cross-border financial services business in general, independent of the marketing means, is still very limited in the retail sector, both in banking and insurance. While in 2007, over half (52%) of all Europeans made a purchase of goods or services by distance marketing in the EU, the figure for financial services by distance marketing was much lower, at 12%. While the level is low, the trend in distance marketing of financial services is upward, given that the figure for 2006 was only about 7%. Looking at cross-border, as opposed to domestic trade in financial services, there is an even greater contrast. Of the 12% of European citizens who purchased a financial service of some kind by distance marketing, 10% did so from providers in their country, while only 1% purchased distance financial services from EU providers outside their country, and 1% from providers outside the EU. The most recent statistics show cross border trade in general to be stalling. The report notes that countries with high Internet penetration rates, such as the Nordic countries, are likely to have higher levels of distance marketing. As is the case for the cross border purchasing of general goods and services, the most recent Eurobarometer survey found that citizens rated language problems as the greatest barrier to purchasing financial services cross-border. The figure for language problems was 37%, followed by fraud risk (30%), incomprehensible (29%) or insufficient (26%) information and the extra costs involved (24%). The products which lend themselves to successful adaptation to distance marketing methods primarily include simple products within savings and investments, loans and non-life insurance categories. Transposition: the report looks at pre-contractual rights to information granted under Article 4(2) of the Directive and at the right of withdrawal under Article 6 (3). It states that at present, there is no evidence that legal differences on the use of Article 4 (2) or 6(3) by Member States constitute major obstacles to existing transactions or that they have a direct impact on the level of distance marketing of financial services across the EU. Overall impact of the Directive : the report notes that the barriers to the development of cross-border financial services business by distance marketing are mainly supplier-centred. However, only national anti-money laundering requirements and the lack of harmonisation of relevant national legislation, or absence of EU legislation, on points not included in the scope of the Directive are ranked by the study as very significant barriers. The most significant demand-side barriers come from differences in language and culture, as well as the absence of information on cross-border products. The Commission details the steps it has taken in order to improve the quality of pre-contractual information available to consumers. The Directive has created a legal framework for purchasing financial services via distance marketing tools. While domestic distance marketing of financial services has increased, albeit still at a low level overall, it cannot be concluded at this stage that the existence of this framework has had an impact on furthering the development of cross-border activities. The main conclusions of the report are as follows : The current market for distance selling of consumer financial services across borders is very small. In most Member States national implementation laws only came into force from 2005/2006 onwards and the market has not significantly changed since the Directive was introduced. The report states that the market may increase in the medium to long term because business attitudes are often framed more by perception than actual problems and because the growing popularity among consumers of transacting online will create a demand for cross border expansion. Language and cultural preferences represent the most significant barrier to consumers engaging in this market. However, the Commission cannot take any measure in this area. In relation to the absence of information on financial product legislation in particular markets, the Commission is undertaking significant steps to improve the quality of information in the area of credits and investments. Should future advances in e-commerce in general fail to be mirrored by similar developments in the area of distance marketing of financial services, the Commission may consider re-examining the case for amending the Directive or taking other relevant initiatives. At this stage, there is no evidence that consumers face problems arising from incorrect implementation of the Directive. Nor is there any evidence which would indicate that the legal diversity resulting from Member States using to a varying extent the options contained in the Directive has a direct impact on the low level of cross-border distance marketing of financial services. Accordingly, the Commission takes the view that at present it is not appropriate to propose any amendments to the Directive. type: Follow-up document body: EC
events
  • date: 1998-11-19T00:00:00 type: Legislative proposal published body: EC docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1998&nu_doc=468 title: EUR-Lex title: COM(1998)0468 summary:
  • date: 1998-11-23T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2136*&MEET_DATE=23/11/1998 title: 2136
  • date: 1998-12-02T00:00:00 type: Committee referral announced in Parliament, 1st reading/single reading body: EP
  • date: 1999-04-13T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2171*&MEET_DATE=13/04/1999 title: 2171
  • date: 1999-04-19T00:00:00 type: Vote in committee, 1st reading/single reading body: EP summary:
  • date: 1999-04-19T00:00:00 type: Committee report tabled for plenary, 1st reading/single reading body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1999-190&language=EN title: A4-0190/1999
  • date: 1999-05-04T00:00:00 type: Debate in Parliament body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19990504&type=CRE title: Debate in Parliament
  • date: 1999-05-05T00:00:00 type: Decision by Parliament, 1st reading/single reading body: EP docs: title: T4-0403/1999 summary:
  • date: 1999-07-23T00:00:00 type: Modified legislative proposal published body: EC docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1999&nu_doc=385 title: EUR-Lex title: COM(1999)0385 summary:
  • date: 1999-11-08T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2213*&MEET_DATE=08/11/1999 title: 2213
  • date: 2000-04-13T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2255*&MEET_DATE=13/04/2000 title: 2255 summary:
  • date: 2000-11-30T00:00:00 type: Debate in Council body: CSL summary:
  • date: 2001-03-12T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2336*&MEET_DATE=12/03/2001 title: 2336 summary:
  • date: 2001-05-30T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2351*&MEET_DATE=30/05/2001 title: 2351 summary:
  • date: 2001-12-19T00:00:00 type: Council position published body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=12425%2F01&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC title: 12425/1/2001 summary:
  • date: 2002-01-17T00:00:00 type: Committee referral announced in Parliament, 2nd reading body: EP
  • date: 2002-04-16T00:00:00 type: Vote in committee, 2nd reading body: EP summary:
  • date: 2002-04-16T00:00:00 type: Committee recommendation tabled for plenary, 2nd reading body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A5-2002-122&language=EN title: A5-0122/2002
  • date: 2002-05-13T00:00:00 type: Debate in Parliament body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=20020513&type=CRE title: Debate in Parliament
  • date: 2002-05-14T00:00:00 type: Decision by Parliament, 2nd reading body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=TA&language=EN&reference=P5-TA-2002-218 title: T5-0218/2002 summary:
  • date: 2002-06-26T00:00:00 type: Act approved by Council, 2nd reading body: CSL
  • date: 2002-09-23T00:00:00 type: Final act signed body: CSL
  • date: 2002-09-23T00:00:00 type: End of procedure in Parliament body: EP
  • date: 2002-10-09T00:00:00 type: Final act published in Official Journal docs: title: Directive 2002/65 url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=32002L0065 title: OJ L 271 09.10.2002, p. 0016 url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:L:2002:271:TOC
other
  • body: CSL type: Council Meeting council: Former Council configuration
procedure/dossier_of_the_committee
Old
JURI/5/13035
New
  • JURI/5/13035
procedure/final/url
Old
http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=32002L0065
New
https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=32002L0065
procedure/instrument
Old
Directive
New
  • Directive
  • Amending Directive 90/619/EEC Amending Directive 97/7/EC 1992/0411(COD) Amending Directive 98/27/EC 1996/0025(COD) Amended by 2003/0134(COD) Amended by 2005/0245(COD) Amended by 2013/0264(COD)
procedure/subject
Old
  • 2.50.03 Securities and financial markets, stock exchange, CIUTS, investments
  • 2.50.04 Banks and credit
  • 2.50.08 Financial services, financial reporting and auditing
  • 4.60.06 Consumers' economic and legal interests
New
2.50.03
Securities and financial markets, stock exchange, CIUTS, investments
2.50.04
Banks and credit
2.50.08
Financial services, financial reporting and auditing
4.60.06
Consumers' economic and legal interests
procedure/summary
  • Amended by
  • Amended by
  • Amended by
  • Amending Directive 90/619/EEC
  • Amending Directive 97/7/EC
  • Amending Directive 98/27/EC
2015-11-04Show (2) Changes | Timetravel
activities/22/docs/1/url
Old
http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:L:2002:271:TOC
New
http://eur-lex.europa.eu/JOHtml.do?uri=OJ:L:2002:271:SOM:EN:HTML
links/European Commission/title
Old
PreLex
New
EUR-Lex
2015-01-08Show (1) Changes | Timetravel
activities/22/docs/1/url
Old
http://eur-lex.europa.eu/JOHtml.do?uri=OJ:L:2002:271:SOM:EN:HTML
New
http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:L:2002:271:TOC
2014-11-10Show (5) Changes
activities
  • date: 1998-11-19T00:00:00 docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1998&nu_doc=468 title: COM(1998)0468 type: Legislative proposal published celexid: CELEX:51998PC0468:EN body: EC type: Legislative proposal published commission:
  • body: CSL meeting_id: 2136 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2136*&MEET_DATE=23/11/1998 type: Debate in Council title: 2136 council: Economic and Financial Affairs ECOFIN date: 1998-11-23T00:00:00 type: Council Meeting
  • date: 1998-12-02T00:00:00 body: EP type: Committee referral announced in Parliament, 1st reading/single reading committees: body: EP responsible: False committee: ECON date: 1998-12-07T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: ELDR name: KESTELIJN-SIERENS Marie-Paule (Mimi) body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria body: EP responsible: False committee: JURI date: 1999-01-21T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: BERGER Maria
  • body: CSL meeting_id: 2171 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2171*&MEET_DATE=13/04/1999 type: Debate in Council title: 2171 council: Consumers date: 1999-04-13T00:00:00 type: Council Meeting
  • body: EP committees: body: EP responsible: False committee: ECON date: 1998-12-07T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: ELDR name: KESTELIJN-SIERENS Marie-Paule (Mimi) body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria body: EP responsible: False committee: JURI date: 1999-01-21T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: BERGER Maria docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1999-190&language=EN type: Committee report tabled for plenary, 1st reading/single reading title: A4-0190/1999 date: 1999-04-19T00:00:00 type: Vote in committee, 1st reading/single reading
  • date: 1999-05-04T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19990504&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 1999-05-05T00:00:00 docs: type: Decision by Parliament, 1st reading/single reading title: T4-0403/1999 body: EP type: Decision by Parliament, 1st reading/single reading
  • date: 1999-07-23T00:00:00 docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1999&nu_doc=385 title: COM(1999)0385 type: Modified legislative proposal published celexid: CELEX:51999PC0385:EN body: EC type: Modified legislative proposal published commission:
  • body: CSL meeting_id: 2213 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2213*&MEET_DATE=08/11/1999 type: Debate in Council title: 2213 council: Consumers date: 1999-11-08T00:00:00 type: Council Meeting
  • body: CSL meeting_id: 2255 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2255*&MEET_DATE=13/04/2000 type: Debate in Council title: 2255 council: Consumers date: 2000-04-13T00:00:00 type: Council Meeting
  • date: 2000-11-30T00:00:00 body: CSL type: Debate in Council
  • body: CSL meeting_id: 2336 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2336*&MEET_DATE=12/03/2001 type: Debate in Council title: 2336 council: Competitiveness (Internal Market, Industry, Research and Space) date: 2001-03-12T00:00:00 type: Council Meeting
  • body: CSL meeting_id: 2351 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=2351*&MEET_DATE=30/05/2001 type: Debate in Council title: 2351 council: Competitiveness (Internal Market, Industry, Research and Space) date: 2001-05-30T00:00:00 type: Council Meeting
  • date: 2001-09-27T00:00:00 body: CSL type: Council Meeting council: Competitiveness (Internal Market, Industry, Research and Space) meeting_id: 2371
  • body: CSL meeting_id: 2402 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=12425%2F01&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC type: Council position published title: 12425/1/2001 council: Agriculture and Fisheries date: 2001-12-19T00:00:00 type: Council Meeting
  • date: 2002-01-17T00:00:00 body: EP type: Committee referral announced in Parliament, 2nd reading committees: body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria
  • body: EP committees: body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A5-2002-122&language=EN type: Committee recommendation tabled for plenary, 2nd reading title: A5-0122/2002 date: 2002-04-16T00:00:00 type: Vote in committee, 2nd reading
  • date: 2002-05-13T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=20020513&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 2002-05-14T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=TA&language=EN&reference=P5-TA-2002-218 type: Decision by Parliament, 2nd reading title: T5-0218/2002 body: EP type: Decision by Parliament, 2nd reading
  • date: 2002-06-26T00:00:00 body: CSL type: Council Meeting council: Health meeting_id: 2440
  • date: 2002-09-23T00:00:00 body: CSL type: Final act signed
  • date: 2002-09-23T00:00:00 body: EP type: End of procedure in Parliament
  • date: 2002-10-09T00:00:00 type: Final act published in Official Journal docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=32002L0065 title: Directive 2002/65 url: http://eur-lex.europa.eu/JOHtml.do?uri=OJ:L:2002:271:SOM:EN:HTML title: OJ L 271 09.10.2002, p. 0016
committees
  • body: EP responsible: False committee: ECON date: 1998-12-07T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: ELDR name: KESTELIJN-SIERENS Marie-Paule (Mimi)
  • body: EP responsible: True committee: ENVI date: 1998-11-25T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PPE name: OOMEN-RUIJTEN Ria
  • body: EP responsible: True committee: JURI date: 1999-09-23T00:00:00 committee_full: Legal Affairs and Internal Market rapporteur: group: PSE name: BERGER Maria
  • body: EP responsible: False committee: JURI date: 1999-01-21T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: BERGER Maria
links
European Commission
other
  • body: CSL type: Council Meeting council: Former Council configuration
procedure
dossier_of_the_committee
JURI/5/13035
reference
1998/0245(COD)
subtype
Legislation
legal_basis
stage_reached
Procedure completed
summary
instrument
Directive
title
Distance marketing of consumer financial services
type
COD - Ordinary legislative procedure (ex-codecision procedure)
final
subject
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