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Savings and investments within the EU – what barriers have you encountered?

The European Commission wants to identify the remaining barriers to the single market for capital. Doing this will help us to complete the savings and investment union.

If you find yourself facing any administrative or regulatory obstacles for savings and investments within the EU, including for financing climate transition, innovation or defence, please let us know.

The Commission is interested in hearing about any rules and procedures – including measures public authorities may have taken, or omitted to take – which make cross-border capital movements overly complex and less attractive. This includes (but is not limited to) discriminatory rules or practices, excessive red tape, complex regulation, market fragmentation, divergent practices of supervisory authorities, licensing and freedom of doing business, and overly burdensome or repetitive reporting requirements.

How to submit your feedback

You can share your feedback via email at fisma-siu-barriers-reportingatec [dot] europa [dot] eu (fisma-siu-barriers-reporting[at]ec[dot]europa[dot]eu).

fisma-siu-barriers-reportingatec [dot] europa [dot] eu (Share your feedback via email)

We ask that you include a short title in the subject field of the email, indicating the issue that you are reporting. We also ask you to ensure that the information you provide is as clear and precise as possible and, if appropriate, to add any relevant documents.

How the Commission will follow up

This communication channel was announced in the savings and investments union (SIU) Communication adopted on 19 March 2025.

Any information you submit will be assessed by the relevant Commission services and will help us to tackle obstacles to financial market integration and the free movement of capital. Your feedback will thus improve the conditions for savings and investments within the EU.

If necessary, the Commission will step up enforcement measures to remove barriers.

Please note: You will not receive a direct reply unless the Commission considers it necessary to request further information, for example because the issues you face might result from a breach of EU law and could require the Commission’s legal intervention.

Find personalised help and advice on your specific issue

If you consider that the issues you face could result from a breach of EU law, you can submit a formal complaint through the standard procedure.

Report a breach of EU law by an EU country

Please also note that 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 individual or business reporting an issue will not be disclosed without explicit consent. Anonymous contributions will also be accepted. Contributions can be submitted in the 24 official EU languages.