UNI Europa Finance is developing a two-pronged approach and set of activities to address irresponsible sales practices in the financial industry that contributed to the financial crisis. This includes 1) assessing problems related to inappropriate sales practices and proposing solutions, and 2) exploring how to improve regulation and risk management by involving finance employees. A key element is developing a model "charter on responsible sales" that financial companies would agree to with unions and stakeholders. In 2010, UNI Europa Finance will form an expert network to finalize the charter, conduct country reports, and hold workshops to disseminate the charter and discuss implementation. They also plan a coordinated "day of action" for affiliates across Europe and globally to raise awareness of sales and