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Banks make proposals for improving customers relations

French banks have put forward a number of measures based on the topics raised by the French Finance Ministry during the Financial Sector Consultative Committee (CCSF) on October 7th 2004.

The commitments taken by banks are designed to make banking clearer and simpler for their clients.

The measures reflect two major concerns :

- Enabling clients to benefit from competition :

Facilitating access to tariffs, enhancing the presentation of banks statements, making it easier for clients to change banks by removing account closure charges or issuing a "mobility" guide, etc.

- Enabling anyone to have a bank account and ensuring accounts are managed in the best possible conditions :

Establishing free over-the-counter cash withdrawals, providing access to alternative means of payment for people without chequebooks, applying a flat-rate charge for returned cheques, promoting the right for all to hold a bank account, generalising the use of account agreements.

Many of these measures result from work previously carried out by the profession or practices tested in some banking networks. Some are the product of discussions already underway with consumer organisations, which enabled agreement to be reached in the short timeframe provided for. Discussions will be held on more longer term matters and a timetable for progress drawn up within the framework of the CCSF.

The banking profession welcomes the consensus reached with consumer organisations on account agreements and the minister's pledge to introduce an appropriate legislative solution by the end of the year.


Colette Cova
email : ccova@fbf.fr
Tel : 01 48 00 50 07

Kenza Benqeddi
email : kbenqeddi@fbf.fr
Tel : 01 48 00 50 08

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