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New Pawnshop Act comes into force on July 1
The new Dutch Pawnshop Act has entered into force today, which means stricter rules now apply to pawn loans. These rules apply to both commercial and municipal pawnshops, but also to other lenders, such as jewelers that give pawn loans on jewelry. One of … -
Study CEG 'Overdrafts on personal current accounts'
CEG conducted a study on personal overdrafts. This study was commissioned by the Authority for Consumer & Market (ACM). According to CEG, it is not likely that it is plausible that personal overdraft is a separate market. Personal overdrafts form part of … -
New regulations on pawnshops set ceilings on interest rates on pawn loans
When the new Dutch Pawnshop Act comes into force, new regulations will apply to pawn loans. From 1 July 2014, a ceiling will be introduced on the interest rate that consumers have to pay on pawn loans. From this date, a maximum interest rate of 9 percent … -
Inform consumers better about overdraft fees
Banks must inform consumers better about the annual fees they have to pay for their bank accounts, including overdraft fees. The Netherlands Authority for Consumers & Markets (ACM) has issued this recommendation following the study ‘Overdrafts on personal … -
Appendix 1 – KPMG report
This study by KPMG has been conducted on behalf of the Authority for Consumers and Markets for its market study into entry barriers of the Dutch retail banking sector. KPMG has interviewed 20 market participants of the banking sector and asked which entry … -
Appendix 2 – GfK report (a)
This survey by GfK has been conducted on behalf of the Authority for Consumers and Markets for its market study into entry barriers of the Dutch retail banking sector. In this survey around 500 consumers were asked about their switching behaviour for … -
Appendix 3 – GfK report (b)
This survey by GfK has been conducted on behalf of the Authority for Consumers and Markets for its market study into entry barriers of the Dutch retail banking sector. In this survey around 1.000 consumers were asked about their switching behaviour for … -
Appendix 4 – GfK report (c)
This survey by GfK has been conducted on behalf of the Authority for Consumers and Markets for its market study into entry barriers of the Dutch retail banking sector. In this survey around 500 SMEs were asked about their switching behaviour for current … -
Save money on financial products by comparison-shopping
Consumers are able to save hundreds of euros if they comparison-shop when purchasing financial products such as insurances, mortgages, and loans. For 15 financial products, ACM calculated the potential savings that different household types are able to … -
ACM: ‘Give fintechs room to innovate on the payment system’
The Netherlands Authority for Consumers and Markets (ACM) will be keeping a close watch on whether or not banks grant providers of new payment products access to payment information. The reason is that ACM believes there is a genuine risk of new providers …