
Sole Article 
The actions referred to in the Annex are hereby approved. They shall be financed through the budget line 17 02 04 of the budget of the European Union for 2010 up to a maximum of EUR 1 000 000. These appropriations may also cover interest due for late payment.
The amounts indicated in the following descriptions are indicative. Within the maximum indicative budget of all the specific actions, cumulated changes not exceeding 20 % are not considered to be substantial provided that they do not significantly affect the nature and objectives of the pilot project.
The authorising officer may adopt such changes in accordance with the principles of sound financial management and proportionality.
Done at Brussels, 18 August 2010.
For the Commission
The President
José Manuel BARROSO
ANNEX
DomainConsumer Policy

Legal basisArticle 49(6)(a) of Regulation (EC, Euratom) No 1605/2002
An appropriation of EUR 1 million is earmarked to launch a pilot project to promote consumer empowerment, efficiency and stability of European financial markets, notably through consumer empowerment in financial services via training actions and the provision of advice to consumers.Number of actions plannedDG SANCO plans to run three different actions in the domain of consumer empowerment in financial services via training.

— Training courses in financial services for consumer associations and other interested non-profit parties who provide information and advice to end users of financial services under an existing framework contract. This action will be contracted under an existing framework contract in September 2010 for an amount of EUR 200 000.
— A study to map in each Member State the non-profit entities that provide general advice on financial services to consumers. In addition, the study will assess the best practices for the service of general financial advice. It will also identify any training needs related to financial advice those entities have. An amount of EUR 150 000 will be appropriated for this study for which an open call for tender (service contract) will be launched in August 2010.Further training courses in financial services for interested non-profit entities, which provide general advice to consumers on financial services, will be organised as a follow-up to the results of the above mapping study. An amount of EUR 650 000 will be appropriated for this training action for which an open call for tender (service contract) will be launched in May 2011.
