Mifundo, the pan-European credit data infrastructure that enables banks to assess foreign-resident customers using complete cross-border financial data, highlights that EU citizens exercising free movement become financially invisible when crossing borders because credit histories do not transfer between Member States.
MIF
Mifundo
Company · Estonia · EU Transparency Register 322756595681-63
2
positions filed
in the 326 files tracked
2
legislative files
of 326 tracked
2
with a full position paper
attached to a submission
Counts here are a floor, never a total: they cover the 326 consultation files tracked so far (29,503 submissions, mostly 2025–26), so an organization's real filing history is larger, not smaller.
Who they are
Among the 925 companies & groups on this site, they rank #456 by legislative files engaged — a count of participation, not a measure of influence.
0.6
declared lobbying FTE
self-declared
€50K+
declared costs / yr (floor)
0
EP accreditations
as declared to the register
2025
in the register since
Declares membership of
- ACCIS
- Finance Estonia
- Fintech Belgium
- Fintech House Portugal
Self-declared to the EU Transparency Register (snapshot 30 Aug 2026).
- Register category
- Companies & groups
- Head office
- Tallinn, Estonia
Self-declared to the EU Transparency Register (snapshot 30 Aug 2026); cost bands are floors, not audited totals. Reused under Commission Decision 2011/833/EU.
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Their record over time
Mifundo filed 2 positions between 30 Jan 2026 and 19 Jun 2026, across 2 of the 326 legislative files tracked here, attaching a full position paper 2 times.
What they argued
Mifundo highlights that while EU labour mobility is a legal right, it is hindered by fragmented credit data systems that prevent financial histories from following citizens across borders. Approximately 45 million Europeans, including 14 million EU citizens living and working in other Member States, face systemic disadvantages, including higher costs or exclusion from essential services and credit, because lenders…
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Turns up on the same files
Organizations that also filed on at least two of the same consultations. A shared interest in the same dossiers — not evidence of coordination, and we do not suggest any.
- Bundesarbeitskammer · 2 files in common
- European Trade Union Confederation (ETUC) · 2 files in common
- Pearle * - Live Performance Europe · 2 files in common
- BDA | German Employers · 2 files in common
- LO · 2 files in common
Showing 5 of 6.
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Quotes are verbatim from submissions published by the European Commission, trimmed to their opening passage and never summarized by a model. Organizations only, never individuals. Reused under Commission Decision 2011/833/EU; the European Commission is not liable for this reuse.