Text · Comparison of two versions
Changes from plenary report to adopted text
A-10-2026-0082 → TA-10-2026-0156
- From
- A-10-2026-0082 Plenary report of 31 Mar 2026
- To
- TA-10-2026-0156 Adopted text of 30 Apr 2026
- Changes
- 5 changes to the text
- Paragraphs
- +4 added · −16 removed · 8 changed
More facts (3)
- Dossier
- 2025/2209(INI)
- Title (from)
- on financial literacy and the rise of finfluencers in the context of the savings and investments union
- Title (to)
- Financial literacy and the rise of finfluencers in the context of the savings and investments union
AI: What changed, in short Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Changes that matter, 5
Changes to the text in document order — the ones the change notes describe. Cover page, renumbering and punctuation-only edits are left out (see “Every difference”); changes to citations and references stay in and are marked as formal in the notes.
Change 1
Changed4. Encourages the Member States to update the Council Recommendation on key competences for lifelong learning3learning in order to designate financial literacy as an independent key competence;
AI: Note on change 1 · formal Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Removes footnote reference number 3 after 'learning'.
Change 2
Changed13. Urges the Member States to participate in the OECD’s Programme for International Student Assessment (PISA) financial literacy tests for youth and to establish regular surveys for adults; reiterates that financial literacy is an outcomes-based concept, and that national strategies should have clear and measurable indicators of progress, drawing upon the OECD/INFE Toolkit for Measuring Financial Literacy and Financial Inclusion4;Inclusion; notes, moreover, that the setting of targets and deliverables should encourage national ownership of strategies; advises the Commission and the Member States to incorporate a level of flexibility into financial literacy strategies so that they may be adapted in the light of the findings of any efficacy assessment;
AI: Note on change 2 · formal Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Removes footnote reference numbers 4 after 'Inclusion'.
Change 3
Changed63. Notes that, while financial advisers are subject to strict regulatory requirements, finfluencers may de facto act as online financial advisers, yet are not currently subject to any specific regulatory framework, thereby leaving the door open to misleading practices; notes, in this regard, the changes would be introduced by the proposed directive to amend Directives (EU) 2009/65/EC, 2009/138/EC, 2011/61/EU, 2014/65/EU and (EU) 2016/97 as regards EU retail investor protection rules (the Retail Investment Strategy Omnibus Directive), which seek to address the risks posed to retail investors by finfluencers by placing obligations on finfluencers and the financial services firms engaging their services; notes, however, that some finfluencers are neither engaged by authorised financial institutions, nor offer authorised financial products or advice, and therefore fall outside the remit of the competent authorities’ supervision;
AI: Note on change 3 · formal Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Removes footnote reference numbers 5 and 6 after 'Regulation' and 'information'.
Change 4
Changed74. Draws attention to the fact that if finfluencers share, on social media, any opinion in relation to the value or price of a financial instrument, or recommend an investment strategy, even for educational purposes, they may be posting an investment recommendation falling under the scope of the Market Abuse Regulation5;Regulation; notes that some public communications posted on social media can carry risks in relation to market abuse, i.e. market manipulation, insider dealing and unlawful disclosure of inside information6;information;
AI: Note on change 4 · formal Written by AI from the official text — check the source · deepseek-v4-flash · 4 Sept 2026
Removes footnote reference number 7 after 'Act'.
Change 5
Changed76. Notes the growing use of AI-generated financial content, and calls for standards on the disclosure of AI origin and on watermarking, in line with the Artificial Intelligence Act7Act and sectoral guidance on AI use in retail investment services;
Sources & citation
Where the facts on this page come from, and how to cite it.
- Data source
- Licensed CC BY 4.0.
- Retrieved
- 5 October 2026
Cite as
European Parliament (2026). “Changes between A-10-2026-0082 and TA-10-2026-0156”. Text, 30 April 2026. from A-10-2026-0082, to TA-10-2026-0156, reference 2025/2209(INI). EU Parl Watch Research. https://news.eu-parl.st-solutions.dev/texts/A-10-2026-0082/compare/TA-10-2026-0156 (retrieved 5 October 2026). Data: European Parliament Open Data, https://data.europarl.europa.eu/ (CC BY 4.0).
BibTeX
@misc{epw-text-2026-04-30,
author = {{European Parliament}},
title = {{Changes between A-10-2026-0082 and TA-10-2026-0156}},
year = {2026},
date = {2026-04-30},
howpublished = {\url{https://news.eu-parl.st-solutions.dev/texts/A-10-2026-0082/compare/TA-10-2026-0156}},
url = {https://news.eu-parl.st-solutions.dev/texts/A-10-2026-0082/compare/TA-10-2026-0156},
urldate = {2026-10-05},
publisher = {EU Parl Watch Research},
note = {Text. from A-10-2026-0082, to TA-10-2026-0156, reference 2025/2209(INI). Data: European Parliament Open Data (CC BY 4.0)}
}