Article 9 1.

collecting, analysing and reporting on consumer trends, such as the development of costs and charges of retail financial services and products in Member States;

undertaking in-depth thematic reviews of market conduct, building a common understanding of market practices in order to identify potential problems and analyse their impact;

developing retail risk indicators for the timely identification of potential causes of consumer harm;

reviewing and coordinating financial literacy and education initiatives by the competent authorities;

developing training standards for the industry; and

contributing to the development of common disclosure rules;

contributing to a level playing field in the internal market where consumers and other users of financial services have fair access to financial services and products;

fostering further developments in terms of regulation and supervision which could facilitate deeper harmonisation and integration at the Union level; and

coordinating mystery shopping activities of competent authorities, if applicable.