If you have encountered barriers to financial market integration within the EU Single Market, you can bring this to the European Commission’s attention by voluntarily providing relevant information.
The Commission welcomes information on any existing obstacles that affect the functioning of the single market for savings and investments. This includes issues that hamper the seamless flow of cross-border capital, reduce the ease of doing business across the EU, or impose excessive red tape and complex regulatory settings. Issues that may be reported include (but are not limited to) market fragmentation, divergent supervisory practices, licensing and freedom of doing business (including discriminatory practices) and overly burdensome or repetitive reporting requirements.
How to submit your feedback
Individuals and businesses can share their feedback via the designated email address:
FISMA-SIU-barriers-reporting
ec [dot] europa [dot] eu (FISMA-SIU-barriers-reporting[at]ec[dot]europa[dot]eu)
We ask you to support your submissions with relevant documentation and to be as precise as possible in your description. To make it easier for us to make a note of all potential concerns, please mention the issue related to the potential barrier in the email subject line.
How the Commission will follow up
The creation of this channel was announced in the savings and investments union (SIU) Communication adopted on 19 March 2025. The Commission will regularly monitor the feedback, which it will use in its ongoing efforts to tackle existing obstacles to financial market integration and free movement of capital, with the ultimate goal of further advancing the SIU. If necessary, the Commission will step up enforcement actions to accelerate the removal of such barriers.
Please note that this does not represent a formal complaint submission mechanism, and stakeholders should not expect to receive an individual reply or feedback from the Commission.
In case the reported barriers concern a breach of EU law, we encourage you to submit a formal complaint through the standard procedure: Report a breach of EU law by an EU country.
Similarly, this channel should not be used for submitting inquiries or responses to ongoing consultation processes, as the Commission already has appropriate channels for this. Unlike consultation responses, the content of the submissions will not be made public. Personal data from the reporting individual or business will not be disclosed without explicit consent. Anonymous contributions will also be accepted. Contributions can be submitted in the 24 EU official languages.