Exclusión Financiera, Vulnerabilidad y Subordiscriminación. Análisis crítico sobre el derecho al acceso a servicios bancarios básicos en la Unión Europea | Financial Exclusion, Vulnerability and Subordiscrimination. Critical analysis on the right to acces

ABSTRACT. This article analyses the phenomenon of financial exclusion from the perspective of the concept of subordiscrimination. More specifically, it analyses whether the European regulatory framework aimed at ensuring this right contains elements that can lead to the discrimination, arising from its ambiguity and the limits it imposes. First, it presents a review of the literature that provides data on exclusion and discrimination. Second, it analyses the European Directive on Payment Accounts 2014/92/UE. Finally, it focuses on the examination of the Communication Nº 10/1997, Ziad Ben Ahmed Habassi c. Denmark (CERD/C/54/D/10/1997) concerning the refusal of bank loans to noncitizens. KEY WORDS:Financial exclusion, vulnerability, subordiscrimination, basic banking services, basic payment account, consumer protection, European Union