On 7 September the European Commission published a roadmap concerning its Green Paper on retail financial services and insurance. The overall objective of the Green Paper on Retail Financial Services and Insurance is to consult stakeholders on the obstacles providers and consumers face when offering or purchasing financial services across the EU. The Green Paper consultation will seek stakeholders’ views on how to bring about better outcomes for consumers and firms in terms of better access, more transparent markets, increased competition as well as greater consumer choice and improved consumer protection (on a domestic and cross-border level) in an increasingly digital environment. In particular, the paper will seek to identify the barriers in the market and investigate the means, including the state of the art technological and innovative solutions, to further improve the functioning of the EU Single Market for providing, purchasing and using retail financial services and insurance. The Green Paper will cover topics such as digitalisation, fragmented markets and insufficient competition, and Capital Markets Union.