Publications

Joint Committee of EBA, ESMA, and EIOPA 2012 report assessing AML/CTF obligations and supervision for e-money issuers, agents, and distributors under the 2nd E-Money Directive and 3rd Money Laundering Directive, including passporting and regulatory gaps.

EBA, ESMA, and EIOPA Joint Committee Autumn 2013 report analysing key risks and vulnerabilities in the EU financial system, including macroeconomic challenges, low interest rates, market fragmentation, collateral use, valuation transparency, and cyber threats, with recommendations for regulatory responses.

EBA Joint Committee 2013 report explaining changes in compiling the EU list of 75 financial conglomerates under Directive 2002/87/EC, including methodology updates, waivers, and expanded scope for reinsurance, asset managers, and AIFMs.

Joint Committee report – analyses key risks and vulnerabilities in the EU financial system as of March 2015, including macroeconomic pressures, search-for-yield behavior, operational risks like misconduct and cyber threats, and regulatory reforms such as Solvency II and Capital Markets Union.

European Banking Authority (EBA) and European Securities and Markets Authority (ESMA) finalize joint guidelines for complaints-handling in banking and securities sectors, outlining standardized procedures for consumer protection under EU financial regulations.

EBA, ESMA, and EIOPA remind credit institutions and insurers about regulatory requirements for self-placement of financial instruments to retail investors, depositors, and policyholders, highlighting risks under CRD IV, BRRD, and Solvency 2, including bail-in exposure and lack of product standardization.

European Supervisory Authorities (ESAs) report on key risks and vulnerabilities in the EU financial system as of autumn 2014, analysing weak economic growth, low interest rates, search-for-yield behaviour, emerging market risks, business conduct, and IT-related operational risks, with policy recommendations for micro-prudential responses.

EBA Joint Committee Spring 2016 report analysing key risks to the EU financial system, including low profitability of banks and insurers in a low-yield environment, interconnectedness of financial entities, and vulnerabilities from China and emerging markets.

EBA Joint Committee Autumn 2016 report analysing key risks to the EU financial system, including low growth, low yields, profitability challenges for banks and insurers, asset quality concerns, and increased interconnectedness amid post-Brexit uncertainties and market volatility.

European Supervisory Authorities' 2017 Joint Committee Annual Report – covers cross-sectoral risks, AML/CFT progress, consumer protection, financial innovation, Brexit implications, PRIIPs regulation, and financial conglomerates supervision under EU frameworks.

European Supervisory Authorities (ESAs) report analysing regulatory sandboxes and innovation hubs for FinTech in the EU – presenting a comparative analysis, best practices for design and operation, and options for future EU-level coordination to support financial innovation and cross-border scaling.

EBA, ESMA, and EIOPA report assessing EU Member States' implementation of beneficial owner customer due diligence requirements under the Third Money Laundering Directive (2005/60/EC), covering definitions, thresholds, verification, and high-risk indicators for AML/CTF compliance.

EBA, ESMA, and EIOPA report assessing EU Member States' legal provisions and supervisory expectations on Simplified Due Diligence for credit and financial institutions under the Third Money Laundering Directive (2005/60/EC).

Joint Committee of EBA, ESMA, and EIOPA report from December 2012 assessing AML/CTF obligations and supervision for e-money issuers, agents, and distributors under the 2nd E-Money Directive and 3rd Money Laundering Directive across Europe.

EBA, ESMA, and EIOPA Joint Committee 2013 report analysing key risks and vulnerabilities in the EU financial system, including macroeconomic weakness, low interest rates, market fragmentation, collateral reliance, valuation uncertainties, and benchmark integrity, with policy recommendations for regulators and policymakers.