CEPS - Centre for European Policy Studies 1 Place du Congrès / Congresplein 1000 Brussels
An increasing part of consumer credit in Europe is now being provided at the point of sale. This practice has important implications for the future development of consumer credit in the European Union and poses major challenges to policy-makers responsible for EU regulatory policy in this area.
The European Credit Research Institute (ECRI) is a think-tank managed by CEPS and has its own board with its own strategy. At present, there are 7 full members in the board (BNP Paribas, ING, International Personal Finance, Providential Finance, VISA Europe, Cofidis and Schufa); in addition, ECRI has two associate members (Sparda Banken and the Association of Luxembourgian bankers).