institute for financial services


iff: non-profit, fair, consumer-friendly

We are a non-profit, independent research institute, which has been conducting research for various public clients, consumer associations and companies on a national and international level, since 1972. We fund ourselves exclusively from current projects.

World Consumer Law Conference of the IACL 2023

18th World Consumer Law Conference of the International Association of Consumer Law (IACL) will take place in Hamburg in 2023 at the Rudolf Steiner Haus and carry the title „Challenges and Unanswered Questions of Consumer Law“.
The original date in 2021 had to be cancelled due to the global challenges of Covid-19.


The iff employs an interdisciplinary research team consisting of lawyers, economists, sociologists and educational scientists, which conducts basic and applied research in the financial services sector.
You can find our publication list here (German website)


We regularly publish different publications on the subject of over-indebtedness.
The annual iff Over-indebtedness Report can be downloaded in german language here.