Press releases

​The European Banking Authority (EBA) today published its 2025 Report on supervisory convergence, as part of its broader efforts to contribute to a more efficient, streamlined and effective EU prudential framework. This work responds to the EBA’s initiatives to increase the efficiency of the regulatory and supervisory framework, including through greater transparency and a focus on supervisory convergence. The Report highlights continued progress in aligning supervisory practices across the European Union (EU), while identifying areas where further convergence is needed. It shows how strong and consistent supervision can support the simplification of the regulatory framework, reduce unnecessary complexity, and help secure a level playing field across the Single Market.

​The European Banking Authority (EBA) published today a Consultation Paper with a draft methodology for setting fines in its role as supervisor under MiCA. The objective is to ensure that fines imposed on issuers of significant crypto-assets are consistent, proportionate and transparent, and effectively support compliance with the regulatory framework.

The European Banking Authority (EBA) today published its 2025 Annual Report, outlining its main achievements and activities in delivering on its mandates under its Work Programme. In 2025, the EBA focused on streamlining and improving the efficiency of the EU regulatory framework while expanding its supervisory role, particularly under the Digital Operational Resilience Act (DORA) and Markets in Crypto-Assets Regulation (MiCA).

​The European Banking Authority (EBA) has signed a Memorandum of Understanding (MoU) with the New York State Department of Financial Services (NYDFS) under the Markets in Crypto-Assets Regulation (MiCA). The agreement aims to strengthen cooperation in the supervision of entities engaged in cross-border stablecoin activities.

The European Banking Authority (EBA) published today an Opinion advising national competent authorities (NCAs) under the Revised Payment Services Directive (PSD2) on how to proceed once the transition period that is set in the EBA’s No-Action Letter of 2 June 2025 (EBA/Op/2025/08) comes to an end on 2 March 2026. The transition period allows crypto asset service providers (CASPs) nine months to continue transacting electronic money tokens that qualify as payment services while submitting, and awaiting the response to, their application for authorisation under PSD2.

The European Banking Authority (EBA) today released an updated list of indicators for risk assessment and risk analysis tools, along with a revised methodological guide. This update does not introduce any additional reporting requirements for institutions or competent authorities. Instead, it clarifies how risk indicators are calculated in EBA publications, enabling users and competent authorities to interpret key banking figures consistently when conducting risk assessments and analyses.

The European Banking Authority (the EBA) today published its annual Report on convergence of supervisory practices for 2024 across the European Union (EU). The Report details the EBA’s extensive efforts to strengthen the alignment of supervisory approaches across Member States and across all dimensions of its activities: prudential, resolution, consumer protection, digital finance and, until the end of 2025, anti-money laundering/countering the financing of terrorism (AML/CFT). This is also a first step in implementing the recommendations set out in the EBA’s Report on the efficiency of the regulatory and supervisory framework. Going forward, the EBA will further deepen its focus on supervisory outcomes to ensure consistent and robust supervision across the EU.

The European Banking Authority (EBA) and the European Securities and Markets Authority (ESMA) have issued their technical advice in response the European Commission's Call for Advice (CfA) on the Investment Firms Regulation (IFR) and Investment Firms Directive (IFD). They propose limiting significant changes to the framework, which has proven to be fit-for-purpose, as confirmed by stakeholder feedback during the joint consultation.

The European Banking Authority (EBA) today published two Opinions in response to the European Commission’s (EC) amendments relating to the draft Regulatory Technical Standards (RTS) specifying the composition and liquidity requirements of the reserve of assets under the Markets in Crypto-Assets Regulation (MiCA). The EBA considers that the EC’s proposed substantive amendments are not consistent with the prudential framework established by MiCA.

The European Banking Authority (EBA) today published a Report on tackling money laundering and terrorist financing (ML/TF) risks in crypto-asset services, including issuance, trading, and service provision. The Report draws on lessons learnt from recent supervisory cases across the EU and highlights how competent authorities can strengthen their approaches to supervision in this fast-evolving sector.

The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today issued a warning to consumers that crypto-assets can be risky and that legal protection, if any, may be limited depending on which crypto-assets they invest in. This warning is accompanied by a factsheet explaining what the new EU regulation on Markets in Crypto-Assets (MiCA) means for consumers. The ESAs recommend concrete steps consumers can take to make informed decisions before investing in crypto-assets such as checking if the provider is authorised in the EU.

The European Banking Authority (EBA) published today its Work Programme outlining the key priorities and initiatives for 2026. Besides focusing on three key priorities, the EBA’s work will aim at strengthening the simplicity and efficiency of the regulatory and supervisory framework for banks and financial entities in the EU, in close cooperation with the relevant EU and non-EU stakeholders. In this respect, the EBA launched a comprehensive assessment of the framework, and decided to engage in 21 actions to enhance its efficiency. The 2026 Work Programme includes specific actions for next year for each of the four areas under review. The EBA will report on a regular basis on the implementation of all the recommendations.

The European Banking Authority (EBA) today published its final draft Regulatory Technical Standards (RTS) which specify the technical elements necessary for institutions to calculate and aggregate crypto-asset exposures in relation to the prudential treatment of such exposures. The RTS address implementation aspects and will ensure harmonisation of the capital requirements on crypto-asset exposures by institutions across the EU.

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.

The European Banking Authority (EBA) today issued an Opinion in response to the European Commission’s proposed changes to its draft Regulatory Technical Standards (RTS) on the information to be provided to competent authorities when authorising the offer to the public of asset-referenced tokens or the admission to trade them under the Markets in Crypto-Assets Regulation (MiCAR).