Seminario Europeo en materia de sobreendeudamiento

14:00 – 14:15

Opening speech: Ms Reine-Claude Mader, EESC member and rapporteur general of the opinion on ‘Consumer protection and appropriate treatment of over-indebtedness to prevent social exclusion’

14:15 – 14:30

Welcome by BEUC President Örjan Brinkman

14:30 – 15:15

The Situation of Over-Indebtedness in Europe, Mr Olivier Micol, Head of Unit, SANCO B4

15:15 – 16:15

Panel Debate: What are the measures for preventing over-indebtedness that could be used as best practices throughout the EU?

- Regulation of predatory lending practices

- Credit data: are credit registers really useful to prevent over-indebtedness?

- Financial education?

16:15 – 16:30

Coffee Break

16:30 – 17:45

Panel Debate: What are the measures for dealing with over-indebtedness that could be used as best practices throughout the EU?

- Debt advice

- Responsible debt collection

- Resolution and rehabilitation procedures

- Collective measures needed in case of massive over-indebtedness (moratorium…)

17:45 – 18:00

Wrap up, Monique Goyens, BEUC Director General