Press releases

The European Banking Authority (EBA) today launched a public consultation on its draft Guidelines on Ancillary Services Undertakings (ASUs). The draft Guidelines set out clear, simple and consistent criteria for the identification of activities referred to in Article 4(1)(18) of Regulation (EU) No 575/2013 of the Capital Requirements Regulation (CRR). The consultation runs until 7 October 2025.

The European Banking Authority (EBA) today published a hotfix of its Reporting Framework 4.1 to address a series of technical issues identified in the initial release. This hotfix aims to ensure the consistency and accuracy of the reporting requirements by including some corrections.

The European Supervisory Authorities (EBA, EIOPA and ESMA - the ESAs) today announced that they have concluded a multilateral Memorandum of Understanding (MoU) with the European Union’s new Authority for Anti-Money Laundering and Countering the Financing of Terrorism (AMLA) to ensure effective cooperation and information exchange between the four institutions.

The European Banking Authority (EBA) today launched a public consultation on its draft Guidelines on the methodology institutions shall apply for their own estimation and application of credit conversion factors (CCF) under the Capital Requirements Regulation (CRR). The consultation runs until 15 October 2025.

The European Banking Authority (EBA) today launched a public consultation on its draft amended Guidelines on the application of the definition of default under the Capital Requirements Regulation (CRR). As part of its commitment to financial stability, transparency, and consistency, the EBA is proposing to maintain the existing 1% threshold for net present value (NPV) loss in debt restructuring. This approach reflects a careful balance between flexibility for institutions and the need to uphold robust risk management standards. The consultation runs until 15 October 2025.

The European Banking Authority (EBA) today published its final Guidelines on the treatment of Acquisition, Development and Construction (ADC) exposures to residential property under the Capital Requirements Regulation (CRR). The Guidelines specify the conditions under which institutions may apply a risk weight of 100% instead of 150% to ADC exposures that meet defined credit risk-mitigating requirements. These Guidelines form part of the first phase of the EBA’s roadmap on credit risk implementation of the EU Banking Package. The Guidelines follow a public consultation launched in May 2024 and take into account stakeholder feedback as well as data collected through the related 2024 Quantitative Impact Study (QIS).

The European Banking Authority (EBA) today published its response to the European Commission’s Call for Advice on fees to validate pro forma models under the European Market Infrastructure Regulation (EMIR).

The European Banking Authority (EBA), in collaboration with the European Central Bank (ECB), welcomes the advice of the Joint Bank Reporting Committee (JBRC) to implement the revised statistical classification of economic activities, NACE Rev. 2.1, in a harmonised manner across their reporting frameworks. This harmonisation is essential to reduce costs for banks and to enhance the analytical quality of reported data.

The European Supervisory Authorities (EBA, EIOPA and ESMA - the ESAs) today launched a public consultation on their draft Joint Guidelines on ESG stress testing, as mandated by the Capital Requirements Directive and the Solvency II Directive. The draft Guidelines set out how competent authorities for the banking and insurance sectors should integrate environmental, social and governance (ESG) risks when performing supervisory stress tests. They aim to harmonise methodologies and practices among supervisors in banking and insurance, to ensure proportionality and to enhance the effectiveness and efficiency of ESG stress testing. The consultation runs until 19 September 2025.

The European Banking Authority (EBA) today released the Spring 2025 edition of its risk assessment report (RAR), which also analyses the funding plans of banks within the European Union/European Economic Area (EU/EEA). This report is supplemented by the Spring Risk Assessment Questionnaire (RAQ).

The European Banking Authority (EBA) today published a report, in which it reviewed the standardised terms for the most common services related to payment accounts, as mandated by the Payment Accounts Directive (PAD). These standardised terms, which the EBA had issued in 2018, aim at making it easier for consumers to make informed choices by being able to compare payment accounts fees and offers, including on a cross-border basis. The review finds that the standardised terms remain fit-for-purpose across the European Union.

The European Banking Authority (EBA) today launched a public consultation on draft Regulatory Technical Standards (RTS) specifying the list of minimum information to be provided to the relevant competent authority at the time of the notification of the proposed acquisition of qualifying holdings in a credit institution. These RTS aim at harmonising the minimum content of the notification to the competent authority of the target credit institution with a view to supporting a harmonised prudential assessment of the proposed acquisition against the five assessment criteria set out in the Capital Requirements Directive (CRD). The consultation runs until 18 September 2025.

The European Banking Authority (EBA) today published three final draft technical standards that are crucial for the implementation of the EU Banking Package and will allow supervisors to monitor institutions’ compliance, thus fostering consistent and enhanced supervision.

​The European Banking Authority (EBA) issued today a revised list of validation rules in its Implementing Technical Standards (ITS) on supervisory reporting, highlighting those which have been deactivated either for incorrectness or for triggering IT problems. Competent Authorities throughout the EU are informed that data submitted in accordance with these ITS should not be formally validated against the set of deactivated rules. The EBA also released today a small validation package including a micro taxonomy package and DPM VR deactivation updates scripts, which are needed from release 4.0, for each deactivation exercises, to deactivate rules in taxonomy and in DPM in a consistent manner.

The European Banking Authority (EBA) published today a No Action letter advising the EU Commission, EU Council and EU Parliament to ensure that, in the long term, EU law needs to avoid a dual authorisation under two pieces of EU law for the activity of transacting electronic money tokens (EMTs). While the existing Payment Services Directive 2 (PSD2) still applies, the letter advises national competent authorities (NCAs) to enforce authorisation of PSD2 for a specified subset only of crypto asset service providers (CASPs) that transact EMTs, to do so only after a transition period that ends on 2 March 2026, and then to deprioritise specified PSD2 provisions.