Alerts:

The application of the European Recommendation on consumers responsibility on Payment Systems different from cash in case of robbery or loss is not carry out by banks.

Some Codes of Conduct (for example: Mortgage Credits Code of Conduct of European banks) could reduce the protection level of other countries which, by their specific characteristics, have higher level of protection.

Other "soft" regulations as are the European recommendations fail systematically, as for example the recommendation on responsibility on Payment Systems different from cash in case of robbery or loss.

Action plan :

The code of conduct on home loans

http://www.europa.eu.int/comm/internal_market/finservices-retail/home-loans/index_en.htm

http://www.europa.eu.int/comm/internal_market/finservices-retail/home-loans/index_fr.htm#code

Working groups :

Results :

Conclusions