Publications

European Supervisory Authorities (ESAs) host 2016 Consumer Protection Day in Paris, discussing EU retail financial services, big data impact, and new consumer protection requirements under evolving regulatory and technological challenges.

EBA, EIOPA, and ESMA issue final guidelines on risk-based anti-money laundering and counter-terrorist financing supervision for EU national authorities, outlining risk assessment, resource allocation, and supervisory practices under Directive (EU) 2015/849.

European Supervisory Authorities (EBA, ESMA, EIOPA) launch a 2016 consultation on Big Data’s benefits and risks for consumers and financial firms, assessing whether regulatory adjustments are needed under existing EU data protection and consumer protection frameworks.

2018 Joint Committee of European Supervisory Authorities (ESAs) report warns of key risks to EU financial markets, including Brexit uncertainty, asset repricing, cyber-attacks, and climate change, urging supervisory stress tests, cyber resilience, and sustainability risk management.

ESMA statement on preparatory work for potential product intervention measures under MiFIR Article 40 to address investor protection risks in CFDs, binary options, and other speculative products, including leverage limits and marketing restrictions, with possible effect from January 2018.

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

European Supervisory Authorities (EBA, EIOPA, ESMA) consult on draft ESG disclosure rules under the Sustainable Finance Disclosure Regulation (SFDR) and Taxonomy Regulation, covering entity-level adverse impact disclosures and product-level transparency requirements for financial market participants and products.

EBA, EIOPA, and ESMA Joint Committee spring 2017 report highlights key risks to EU financial stability, including low bank profitability, high NPLs, valuation risks from search-for-yield strategies, interconnectedness, and rising cyber and IT-related operational risks amid economic uncertainty.

EBA, EIOPA, and ESMA consult on draft Guidelines to prevent money laundering and terrorist financing in electronic fund transfers, outlining payment service providers' obligations to detect missing or incomplete payer/payee information under EU Regulation 2015/847.

European Supervisory Authorities (EBA, EIOPA, ESMA) issue joint guidelines under Regulation (EU) 2015/847 to harmonize AML/CFT measures for payment service providers, ensuring consistent payer and payee information in electronic fund transfers to prevent terrorist financing and money laundering.

European Supervisory Authorities (EBA, EIOPA, ESMA) publish final draft Regulatory Technical Standards amending EMIR margin requirements for non-centrally cleared OTC derivatives, aligning variation margin rules for physically settled FX forwards with international standards and limiting scope to transactions between credit institutions and investment firms.

EBA, EIOPA, and ESMA publish joint draft regulatory technical standards (RTS) under Directive (EU) 2015/849 to define criteria for appointing Central Contact Points (CCPs) by payment service providers and e-money issuers, strengthening AML/CFT oversight and supervision across EU Member States.

EBA, EIOPA, and ESMA update Implementing Technical Standards on ECAI credit assessment mappings under CRR and Solvency II, reflecting five new credit rating agencies and one deregistration to ensure accurate risk weight allocation in EU banking and insurance regulation.