Opinions

EBA opinion on the European Commission’s draft simplified European Sustainability Reporting Standards (ESRS), assessing alignment with risk management needs, interoperability with global standards (ISSB), and proportionality of reporting reliefs under the Corporate Sustainability Reporting Directive (CSRD).

EBA opinion outlining supervisory priorities for national authorities as the transition period under its No-Action Letter on PSD2 and MiCA interplay ends on 2 March 2026, addressing authorisation processes, conditions for continued EMT transactions, and coordination between PSD2 and MiCA frameworks.

EBA opinion on the European Commission’s amendments to final draft Regulatory Technical Standards (RTS) under MiCA, addressing liquidity requirements for asset-referenced tokens (ARTs). The document evaluates proposed changes to reserve asset rules, highlighting concerns over liquidity risks, alignment with MiCA’s prudential framework, and consistency with EU financial regulations.

EBA opinion on the European Commission’s amendments to final draft Regulatory Technical Standards (RTS) under MiCA, specifying highly liquid financial instruments (HLFI) with minimal market, credit, and concentration risk to ensure reserve asset liquidity and compliance with prudential objectives.

European Banking Authority (EBA) opinion on the European Parliament’s 2023 discharge report – responding to observations on budget implementation, financial accountability, and governance under EBA Regulation and Financial Regulation, including feedback on transparency and efficiency.

EBA opinion on applying ESG risk disclosure provisions under CRR3, addressing implementation challenges due to pending Omnibus package reforms. Recommends temporary enforcement relief for large and newly in-scope institutions to avoid conflicting requirements and compliance burdens until updated ITS are finalised.

EBA’s 2025 Opinion and Report assess money laundering and terrorist financing risks in the EU financial sector, covering FinTech vulnerabilities, crypto asset risks, AI-driven fraud, RegTech challenges, and sanctions compliance under evolving AML/CFT frameworks.

EBA technical advice to the European Commission on establishing fee structures and payment modalities for validating pro forma models under EMIR, covering cost calculation methods, proportional fee determination, and invoicing processes for financial and non-financial counterparties.

EBA technical advice to the European Commission on establishing fee structures and payment modalities for validating pro forma models under EMIR, covering cost calculation, proportional fee methodologies, and invoicing processes for financial and non-financial counterparties.

EBA opinion clarifying the interplay between PSD2 and MiCA for crypto-asset service providers handling electronic money tokens, advising NCAs on temporary authorisation exemptions and supervisory priorities until PSD3/PSR apply, while recommending long-term legislative alignment to avoid dual licensing burdens.

EBA opinion on Sweden’s request to extend CRR Article 458 risk weight floors for commercial and residential property-backed corporate exposures under the IRB approach, assessing capital adequacy and systemic risk in the Nordic-Baltic financial sector.

EBA opinion on Sweden’s request to extend a 25% risk weight floor for residential real estate exposures under CRR Article 458, assessing macroprudential risks in the Swedish mortgage market and IRB model concerns until December 2027.

EBA opinion on Norway’s proposal under Article 458 of Regulation (EU) No 575/2013 to raise the risk weight floor for residential real estate exposures from 20% to 25% for IRB banks, addressing systemic risks from high household debt and real estate market imbalances until December 2026.