EIOPA zverejnil 29. apríla technical advice pre Európsku komisiu (EK) o určitých aspektoch ochrany retailových investorov v kontexte stratégie retailových investícií (RIS).
Hlavné zistenia orgánu EIOPA v oblastiach, o ktoré požiadala EK vo svojej výzve na poradenstvo EIOPA, sú:
- Enhancing consumer engagement with disclosures, including digital disclosures:
- EIOPA sees scope for reducing duplicative disclosures in the existing regulatory framework and recommends the idea of developing an “annual statement” to be disclosed to policyholders.
- EIOPA sees the need for a shift towards truly consumer-focused disclosures and considers that a starting point when designing consumer disclosures should be behavioural research and consumer testing.
- Assessing the risks and opportunities presented by new digital tools and channels:
- EIOPA sees scope for a market for digital platforms selling IBIPs and for open insurance to develop further in the future under the appropriate regulatory framework and conditions.
- Tackling damaging conflicts of interest in the sales process:
- EIOPA is of the view that more needs to be done to tackle damaging conflicts of interest arising throughout the product lifecycle. EIOPA has set out the pros and cons of a number of different policy options to regulate the payment/receipt of inducements.
- EIOPA considers improvements to the existing rules on inducements as being necessary and believes a combination of different options could also bring specific benefits.
- Promotion of an affordable and efficient sales process:
- Simplifying the process for providing advice, particularly taking into account the ongoing digital transformation in the sale of financial products and further automation of the sales process, can bring benefits, but carries particular challenges.
- Further supervisory convergence work can help to ensure that the same rules for the advice process are applied proportionally across national markets.
Assessing the impact of complexity in the retail investment product market:
- EIOPA sees the need for more coherence in the current regulatory requirements to identify complexity of products. It has also proposed some clarifications to existing requirements in the area of Product Oversight and Governance.
Ďalšie kroky
Odporúčanie bolo zaslané EK a návrhy EK týkajúce sa RIS sa očakávajú koncom roku 2022.
Zároveň s EIOPA aj ESMA zverejnil odporúčanie pre Európsku komisiu (EK) o určitých aspektoch ochrany retailových investorov v kontexte stratégie retailových investícií (RIS).