BNP Paribas / Parliament Banco de España Confederation / Patrik Marcin Evangelia Peter Peter Theodor FIN-USE European Savings Banks Group / Allianz SE / Business Affairs Intesa Sanpaolo S.p.A. / Insurances Barclays PLC / EU FICO European Savings Banks Group / Liaison Office Brussels/Berlin Banco Bilbao / Genworth Financial / Fortis / Affairs Liaison Office Brussels/Berlin Banco / Rifka Jan-Erik International Personal Finance plc / Hans John Astrid Inga Malcolm Edward Lloyds Banking / Monetary Affairs Vorwerk and Co KG / Vorwerk & Co. KG / DELL / COFACE Fleishman-Hillard Commerzbank AG / Estonia Zentralverband / Economic / Division Banks / Sofinco Essential PR Austrian Federal Economic Chamber / Financial Times / PricewaterhouseCoopers Provident Financial plc / EU Credit Agricole S.A. / l'Emploi Vorwerk International Mittelsten Scheid & Co / The Royal Bank of Scotland / Vorwerk and Co KG / Home Funding Limited / Crédit ASGECO Confederación Cyprus Consumers Association UniCredit Group / Law Banco Santander / European Savings Banks Group / Financial Markets Section Brunswick Group LLP / Building Societies Association UniCredit S.p.a. / London Corporation / NBVA ASB Schuldnerbaratungen GmbH / V. Barclays Bank PLC / GPlus Europe / /
Continent
Europe / /
Country
Netherlands / France / United Kingdom / Slovenia / Sweden / Belgium / Austria / Spain / Denmark / /
Facility
Building Societies Association UniCredit S.p.a. / EU Royal Institute of Chartered Surveyors / Building Societies / /
IndustryTerm
mutual insurers / cooperative insurance / /
Organization
Financial Service / European Association of Public Banks / Bank of Italy / Confederation of Spanish Savings Banks / O'ROURKE OSIF PAIXÃO PALLASCH PALLE GUILLABERT PEGADO LIZ PENEDO PETRAUSKAITĖ PHILPOTT PINON PLESNIK POLLAUF POLVERINI PONTET POUCHOUS PRANJIVAN / National Bank of Poland / Deutsche Bundesbank FLA Intrum Justitia Ministry of Finance Callcredit Information Group UNI Europa Finance Weber Shandwick Association / Ministry of Justice / Netherlands Bankers' Association / Polish Consumers Centre for European Policy Studies / European Parliament / GIRAUD GONDARD GÖTBERG GOURIO GOYENS Alexandre Cécilia Helene Alain Monique Eurofinas Party of European Socialists / EU Eurofinas Federation / Spanish Mortgage Association / HM Treasury Association / European Parliament European Automobile Manufacturers Association / Oesterreichische Nationalbank / European Federation of Building Societies / Danish Finance Houses French Banking Federation / Réseau Financement Alternatif Consumer Association of Ireland Ministère / Swedish Consumers’ Association / EU Policy Unit / SCHUFA Holding AG Confederation of Family Organisations / Polish Credit Information Bureau / European Coalition for Responsible Credit / EU Royal Institute of Chartered Surveyors / Ministry of Finance European Central Bank / European Union / European Banking Federation / European Federation of Insurance Intermediaries / German Banks European Association of Co-operative Banks / Union Project Associates Ministry of Finance Bundesministerium für Finanzen Lefebvre Hanneman / FIN-USE Consumers Protection Centre / European Mortgage Federation / Fleishman-Hillard Association / office of Fair Trading / British Bankers Association / Banco de Portugal / Parliamentary and European Affairs Liaison Office Brussels / European Consumers’ Organisation / Consultancy Direction Juridique Groupe MACIF Ministry of Finance EURALIA Permanent Representation of Slovenia / Consumer Ombudsman Ministry / Lloyds Banking Group Association of German Chambers of Industry and Commerce / European Consumers' Organisation / HARTMANN HAUFF HEMELINCKX HENTSCH HERNAEZ HERNANDO HERTZSCH HEYWOOD HICKMANN HIENDL HOCK HOLM HOLMBERG HOLMQUIST Claudia Anette Alain Phillippa Joaquin Leticia Franziska Andrew Matthias Alex Catherine Peter Troels Hauer Jörgen Bavarian Ministry of Finance Deutsche Bank AG BUilda BEtter BAnk / Italy BNP / Poland Institut für / Austrian Professional Association / Ministry of Finance / Financial Services Authority / Ministry of Justice Council of Mortgage Lenders / Luxembourg Bankers' Association / Ministry of Integration / UNCC Ghent University DEFOSSEZ Anne Centre / EU UNI Global Union Association / Deutschen Handwerks European Federation of Insurance Intermediaries / European Land Information Service / Spanish Consumer Association / Economic and Monetary Affairs Consumer Protection Board of Estonia Zentralverband / Public Policy Deutsche Bundesbank FLA Intrum Justitia Ministry / Hungarian Financial Supervisory Authority Federal Ministry of Finance Start Mortgages Representation of Saxony-Anhalt / Finnish Consumer Agency / Law Societies Joint Brussels Office Association / Schleswig-Holstein Ministry / Confederation of British Industry / référence National Association of Consumer Protection in Hungary / Erasmus School / Irish Banking Federation / Ministry of Economic / Association of Consumer Credit Information Suppliers / /
Person
Patrick Edward Souhila David Anne Kerstin / James Gaël Charlotte Bruno / Fernando Tanguy Sandra Sjef Véronique / Claude Daniela Bernard Agnieszka Charlotte Christine Stefano / Claudia Anette Alain Phillippa Joaquin Leticia Franziska / Jan Katrine Catherine Dirk / Catherine Dirk Alexa Patrick / Ciara Nadine Dirk Sébastien / Oliver Grazyna Marc Gregorio / WIGNOLLE WIGNOLLE / Maria Stephanie Françoise Jorge / Sebastian Jan Katrine Catherine / DUKE DUPONT DUPUY / Laurence Johanne Daugaard Jo Carlos Georgios / Franziska Andrew Matthias Alex / Elisa Alina James Gaël / Signe Birgitta Miroslava Samantha / Sadaf Diane Katarzyna Marc Mateja Christian / Catarina Sebastian Jofre Patrick Edward Souhila / Andrej Maria Stephanie Françoise / Vinay Wendy David John / David René Georg Erhard Sacha Pierre Anne / ANNA DOMARADZKA DOORLEY DU BOUËTIEZ / Jorge Rita Edita David / Christina Sofía Catherine Antonio / Andrew Matthias Alex Catherine / Sofía Catherine Antonio Annabel / FERNANDEZ VALDES FILY FISCHER FISHER / Isabelle Christopher Elke Constance / Anne Vinay Wendy David / Wolfgang Josina Alex Patrik Marcin Evangelia Peter / Marcel Christoph Manfred Nibud / Joaquin Leticia Franziska Andrew / LIZ PENEDO PETRAUSKAITĖ PHILPOTT PINON / SANTILLI SANZ SCHÄFER SCHERZER SCHEURWATER / Miroslava Samantha Charlotte Edward / Zita Véronique Pierre Wae-San Tina / Maria Alfonso Chantelle Zita / Elke Constance Martin Cecília Felix Deirdre Michael / Stefan Laura Maija / BRIEN BROADHEAD BUFALINI CANDEIAS CARO / Pia Sebastian Jan Katrine / Katharina Sonia / Matthias Alex Catherine Peter / JARVIS JEANMART JÉRUSALMY JEWELL JOHANET / Sylvie Harry Carsten Valérie / Francesca Francisco Rainer Bernhard / Philipp H Jürgen Sharon / Pascale-Marie Paul Costanza Maria Alfonso Chantelle / Francisco Rainer Bernhard Sander Klaus Martin Signe / Sebastien Maria Sarah Ralf / HONNEFELDER HORSMAN HRADIL HUANG HUSSAIN / Dieter Gerard Antoine Jens / Michael Jack Elie Ravi / Elie Ravi Mathieu Franka / Stephen Christina Sofía Catherine / Carlos Renate Oesterreichische Nationalbank / HARTMANN HAUFF HEMELINCKX HENTSCH HERNAEZ / Neil Didier Kreab Gavin Anderson / Gaël Charlotte Bruno Pascaline / Alfonso Chantelle Zita Véronique / WARNAAR WENGLER WESTPHAL / TAIT TAYLOR TEMMERMAN TERTÁK / ROURKE OSIF PAIXÃO PALLASCH PALLE / Nadine Dirk Sébastien Karine / Charlotte Edward Pia Sebastian / David Anne Kerstin Stephen / Dirk Sébastien Karine Emmanuel / Stefan Jennifer Ida Bo Wolfgang Josina Alex / Ravi Mathieu Franka Philipp / JEWELL JOHANET JOHN JOHNSON JØRGENSEN / Laetitia Marc Rob Hans / Christopher Ciara Nadine Dirk / Françoise Jorge Rita Edita / RENAUD COHN COLLINS CONRADI COTTRELL / WOLNER WOOPEN YAVARI ZAPLETAL ZARCO / Maria Sarah Ralf Vera / BENNETT BEYROUTHY BHATIANI BION BÖHM / Katrine Catherine Dirk Alexa / Anne Kerstin Stephen Christina / Pierre Anne Vinay Wendy / Ben Penelope Audrey Cordula / George-Hélène Hervé / Gerard Antoine Jens Valdemar / Edward Pia Sebastian Jan / Annabel Emmanuel Marta Gesamtverband / HUANG HUSSAIN IANNUCCI ILICZ JAMET JANSA / LAKIN LAMBERT LAMBERT LE FRANC LEE LENK / REED REES REGA REICH REIFNER / Jack Elie Ravi Mathieu / Catherine Antonio Annabel Emmanuel / Grazyna Marc Gregorio Piero Antonio / Christopher Elke Constance Martin / LEE LENK LORGÉ LOTZ MADER / Henri Stefan Jennifer Ida / Hans W Stefan / Gavin Anderson / Edmund Annik Donovan Sylvie Harry / Antonio Annabel Emmanuel Marta / Christian Pascale-Marie Paul / Leticia Franziska Andrew Matthias / FAY FEITSMA FERAHTIA FERNANDEZ VALDES / Sacha Pierre Anne Vinay / THEBAULT THOMSEN / Deirdre Michael Jack Elie / Felix Deirdre Michael Jack / Alina James Gaël Charlotte / Stéphanie Inci Anna Jacqueline Jan / Klaus Martin Signe Birgitta / Alex Catherine Peter Troels Hauer Jörgen / Alexa Patrick Klaus Věra Nikki Doug Geert / Donovan Sylvie Harry Carsten / Birgitta Miroslava Samantha Charlotte / Andrej Louise José / VAN LYSEBETTENS VANDENBROECK VASAS VIDONJA / Robin Nicolas Olivier Dermott Henri Stefan Jennifer / Jochen Sebastien Maria Sarah / Henning Farid Melanie Helle Ute Isabelle Marcello / Sarah Ralf Vera Piero Christopher Ciara Nadine / MURPHY NAAS NELSON NOCKE NORONHA / Stephanie Jonathan Dušan Lih-Nuo / GRAZEBROOK GREMONPREZ GREVEN GROENEMEIJER GROHS / Katharina Herbert Susan Jirka Carlos Renate Oesterreichische / MULDER MUNROE MURAILLE / Carsten Valérie Christopher Reine-Claude Daniela / Raymond Andrej Maria Stephanie / Harry Carsten Valérie Christopher Reine-Claude / Roger Laetitia Marc Rob / KENNARD KNUTSSON KOCKELKOREN / Jakob Oliver Grazyna Marc / Jo Carlos Georgios Béatrice / VAN KERREBROECK VAN LYSEBETTENS VANDENBROECK / FRIESE GALIPIENSO GARCIA GARCÍA DEL / Sébastien Karine Emmanuel Michiel / Alexandre Cécilia Helene Alain Monique / Edita David René Georg / William Judith Alexis Tony / Rita Edita David René / JOHN JOHNSON JØRGENSEN KÄLBERER KAMERLING KAMPERMAN / Véronique Johan Mariela Éva William Judith Alexis / RIEGO GARNIER GARY GELLOVÁ / Nicolas Donald Jörn-Jakob Oliver / Kerstin Stephen Christina Sofía / Charlotte Christine Stefano Mick Charlie / Chantelle Zita Véronique Pierre Wae-San / Ute Isabelle Marcello Isabelle Christopher Elke / Dirk Alexa Patrick Klaus / GARCÍA DEL RIEGO GARNIER GARY / Martin Signe Birgitta Miroslava / Wendy David John Andrzej Udo Nicolas Donald / Sandra Sjef Véronique Johan Mariela / GIRAUD GONDARD GÖTBERG GOURIO GOYENS / Nikki Doug Geert Elemér Associazione Bancaria / Stephanie Françoise Jorge Rita / Samantha Charlotte Edward Pia / /
Position
speaker speaker / speaker DELHAYE Joseph speaker / Oxera speaker / Consumer Council speaker / España speaker / speaker / FIN-USE speaker / /
Participants at the Hearing on Responsible Lending and Borrowing, Brussels, 3 September 2009