Publications

EBA Joint Committee August 2015 report analysing key risks and vulnerabilities in the EU financial system, including low profitability of banks and insurers, market liquidity risks, search-for-yield behavior, and economic uncertainties linked to Greece and global market volatility.

EBA report responding to the European Commission’s call for advice on prudential requirements for investment firms under MiFID and CRD IV, analysing risks, categorisation gaps, and recommending a new three-fold framework to enhance risk sensitivity and regulatory clarity.

EBA factsheet on Big Data in financial services – explains benefits, risks, and consumer rights, including data protection, tailored products, fraud detection, and regulatory safeguards under EU rules for banks, insurers, and investment firms.

European Supervisory Authorities (EBA, EIOPA, ESMA) final report on automated financial advice tools – assessing risks, regulatory challenges, and supervisory approaches under MiFID, IDD, and FinTech frameworks.

Joint letter from EBA, EIOPA, and ESMA to the European Commission expressing concerns over delayed adoption of Regulatory Technical Standards on risk mitigation for non-centrally cleared OTC derivatives, urging alignment with BCBS-IOSCO timeline and international commitments to avoid market uncertainty and systemic risks.

European Supervisory Authorities final report on EMIR regulatory technical standards for novation of bilateral OTC derivative contracts not subject to margin requirements, amending Delegated Regulation (EU) 2016/2251 to clarify risk-mitigation rules.

European Supervisory Authorities (ESAs) letter to the European Parliament and Council outlining plans to publish Q&A guidance on PRIIPs regulation, clarifying technical methodologies for Key Information Documents (KIDs), including risk, reward, and cost disclosure requirements under Regulation (EU) No 1286/2014.

Autumn 2013 joint report by the European Supervisory Authorities (ESAs) analysing key risks and vulnerabilities in the EU financial system, including macroeconomic challenges, low interest rates, market fragmentation, collateral use, and operational threats like cyber attacks.

European Supervisory Authorities final report on amendments to EMIR regulatory technical standards for bilateral margin requirements, aligning with international frameworks, including phase-in extensions, exemptions for FX forwards, equity options, and intragroup transactions.

EBA and ESAs finalize revised draft implementing technical standards amending EU Regulation 2016/1799 to update the mapping of External Credit Assessment Institutions' (ECAIs) credit assessments under the Capital Requirements Regulation (CRR) for standardized credit risk calculations.

EBA, EIOPA, and ESMA finalize revised implementing technical standards amending Solvency II rules to update credit quality step allocations for external credit assessment institutions (ECAIs), reflecting new registrations and deregistrations under the CRA Regulation.

European Supervisory Authorities (ESAs) final report on Big Data – analysing risks, benefits, and regulatory implications for financial institutions, including data protection, cybersecurity, competition, and consumer transparency under GDPR, MiFID II, and sectoral legislation.

European Supervisory Authorities finalize regulatory technical standards under Directive (EU) 2015/849, outlining measures for credit and financial institutions to mitigate money laundering and terrorist financing risks when third-country laws prevent group-wide AML/CFT policies.

EBA factsheet on big data in financial institutions – explains benefits, risks, and consumer rights under EU data protection rules, including data usage, fraud prevention, and regulatory safeguards for banks, insurers, and investment firms.

EBA and EU supervisory authorities' factsheet on big data in financial services – explains benefits, risks, and customer rights under EU data protection rules, including how banks and insurers use personal data for tailored products and fraud prevention.