Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-07-04-Speech-3-412-000"
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"en.20120704.25.3-412-000"2
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"I welcome the Commission’s decision to limit its proposals on access to a basic bank account to a recommendation; I believe that the Member States have the capability to act alone to improve consumer access. Despite basic bank accounts being voluntary in the UK, there are 16 different basic accounts available. A legal right to such an account would therefore have little impact in terms of consumer access to finance. For that reason I am unable to support Parliament’s report. It departs from the Commission’s initial proposal by calling for a legislative proposal that would require all banks and other payment service providers to offer such a service – this is unnecessary and conflicts with the freedom to contract. The report is far too prescriptive with regard to account features and pricing. It is important that national authorities are given the discretion to ensure that any measures have a proportionate impact on their market. Otherwise costs will rise, thereby jeopardising existing provision for consumers. I urge the Commission to ensure that all policy options are carefully considered before bringing forward any future legislative proposal, taking the principles of subsidiarity and necessity fully into account."@en1
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