The current financial crisis has triggered massive state interventions and large-scale regulatory initiatives affecting Europe’s banking industry. While most of the discussion has focused so far on the banking market as a whole, participants at this high-level conference jointly organised by the European Credit Research Institute in Brussels and the German Institute for Economic Research (DIW Berlin) will discuss how the turmoil affects the retail side of the financial services market. A special focus will be put on the impact on competition and regulation.