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Consumer Empowerment and Market
Conduct Working Group (CEMCWG)

Consumer Empowerment and Market
Conduct Working Group (CEMCWG)

A platform to discuss policy and regulatory issues related to consumer empowerment initiatives and market conduct regulations.

Launched in April 2011, CEMCWG aims to support consumer empowerment and protection in order to help secure access to and improve the quality of financial services. Its prime objective is to develop and share a common understanding of lessons learned and cost-effective policy tools, and to promote their adoption at the national level as well as in a broader international context.

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64
Member
Institutions
59
Countries
157
Policy
Changes
15
Knowledge
Products
Risk Sharing Facilities: Mobilizing Finance for Women-led MSMEs

The purpose of this toolkit is to assist AFI members to conceptualize and design risk-sharing facilities  to encourage formal financial institutions to finance
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Guideline Note on Data Privacy for Digital Financial Services

Provides complete policy guidance and regulatory framework for data privacy for digital financial services (DP4DFS).
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Consumer Protection for Digital Financial Services: A Survey of the Policy Landscape

Through examples and case studies, this survey report examines the state of regulation of CP4DFS in AFI member countries and provides practical insights for pol
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Financial Education in Latin America and the Caribbean

This case study assesses the development of financial education in different countries in Latin America and the Caribbean region, their varied approaches, and t
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Policy Model on Consumer Protection for Digital Financial Services

The CEMCWG and DFSWG codified key policy guidance from relevant AFI knowledge products developed over the decade, coupled with best practices within the AFI net
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Consumer Empowerment and Market Conduct (CEMC) Working Group 2020 Factsheet

The CEMC Working Group is a platform for policymakers to advance policy and regulatory issues related to consumer empowerment initiatives and market conduct reg
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2019 Working Groups and Regional Initiatives Report

This year saw the expansion of the number of Working Groups from six to seven through the addition of the Inclusive Green Finance Working Group (IGF), which lev
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Experiences in the Implementation of the Principle of Disclosure and Transparency in AFI Member Countries

To establish a deeper understanding on the challenges of implementing the Disclosure and Transparency Principle of Consumer Protection faced by member countrie
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Complaint Handling In Central Bank Framework

This Framework offers guidance on how Central Banks can manage the responsibility of handling consumer complaints in an efficient and effective manner.
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Consumer Empowerment and Market Conduct (CEMC) Working Group 2020 Factsheet

The CEMC Working Group is a platform for policymakers to advance policy and regulatory issues related to consumer empowerment initiatives and market conduct reg
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2017 Working Group and Regional Initiatives Report

This report covers the Working Groups and Regional Initiatives’ objectives, meetings, member institutions, subgroup activities and deliverables.
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The Effectiveness of Short-Term Financial Education Workshops in Rural Areas: The Case of Armenia

Download the case study to learn more about measuring the effectiveness of financial education workshops.
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CEMC Survey Report: Alternative Dispute Resolution

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Guideline Note 21: Market Conduct Supervision of Financial Services Providers – A Risk-Based Supervision Framework

This Guideline Note was developed by the AFI CEMC Working Group to provide guidance for policymakers on the development and implementation of sound market condu
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Guideline Note 17: Policy Guidance Note and Results from Regulators Survey

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