European Commission Publishes Its 2025 Financial Literacy Strategy

QuickTake

On 30 September 2025, the European Commission announced its new EU-wide Financial Literacy Strategy (EU-FLS) through a Communication and a Factsheet¹ during a press conference. This initiative addresses persistently low levels of financial literacy² across Member States, as evidenced by the 2023 Eurobarometer survey.³ The EU-FLS aims to empower citizens, foster financial inclusion and enhance economic resilience.

The Commission's Communication is a significant soft law instrument that will shape supervisory expectations and market practice across the retail financial ecosystem. While non legislative in itself, especially as education remains a purely Member State and not an EU-level competence, the EU-FLS is a central component of the broader Savings and Investments Union (SIU) agenda. It complements existing regulatory and supervisory frameworks, including the Retail Investment Strategy (RIS).⁴ Ultimately, the Communication establishes a clear policy