Publications

EBA guidelines on risk factors under Directive (EU) 2015/849 outlining requirements for credit and financial institutions to assess money laundering and terrorist financing risks, adjust customer due diligence measures, and ensure compliance with AML/CFT obligations.

EBA joint guidelines on risk factors under AML/CFT Directive (EU) 2015/849 – outlining how credit and financial institutions should assess money laundering and terrorist financing risks and adjust customer due diligence measures proportionately.

EBA guidelines outlining risk factors for credit and financial institutions under AML/CFT rules (Directive (EU) 2015/849), detailing customer due diligence, risk assessment methods, and compliance obligations for money laundering and terrorist financing prevention.

EBA guidelines outlining risk factors for financial institutions to assess money laundering and terrorist financing risks under Directive (EU) 2015/849, specifying simplified and enhanced customer due diligence measures and supervisory expectations for compliance.

EBA and ESMA Q&A on PRIIPs KID (Commission Delegated Regulation (EU) 2017/653) clarifying risk assessment, performance scenarios, cost calculation, derivatives, and disclosure requirements for packaged retail and insurance-based investment products.

European Commission draft regulatory technical standards (RTS) amending PRIIPs Delegated Regulation (EU) 2017/653, focusing on multi-option PRIIPs, risk and cost disclosures, performance scenarios, and transitional rules for UCITS and non-UCITS funds until 2019.

EBA and ESAs opinion on the use of innovative solutions by credit and financial institutions for customer due diligence (CDD) under AML/CFT rules – assessing risks, regulatory expectations, and fostering a common EU approach to digital compliance.

ESAs opinion on the European Commission’s proposed amendments to Regulatory Technical Standards (RTS) under EMIR for risk mitigation techniques in non-centrally cleared OTC derivatives, rejecting certain changes and providing technical reasoning for adjustments in 2016.

European Supervisory Authorities (ESAs) provide non-binding flow diagrams outlining risk and reward calculation steps for PRIIPs Key Information Documents (KID), including Summary Risk Indicator and performance scenarios, under Commission Delegated Regulation (EU) 2017/653.

EBA, EIOPA, and ESMA publish revised Joint Guidelines on prudential assessment of acquisitions and increases of qualifying holdings in banking, insurance, and securities sectors, ensuring consistent interpretation, procedural clarity, and proportionality across the EU from October 2017.

EBA, EIOPA, and ESMA issue a joint opinion on the use of innovative solutions like biometric verification and automated transaction monitoring by credit and financial institutions for customer due diligence under AML/CFT rules, outlining risks, benefits, and supervisory expectations for EU authorities.

EBA, EIOPA, and ESMA joint guidelines harmonizing prudential assessment procedures for acquisitions of qualifying holdings in credit institutions, insurers, and investment firms under Directive 2007/44/EC, defining notification requirements, assessment criteria, and timelines for cross-border financial sector transactions.

Autumn 2017 Joint Committee report analysing key risks to the EU financial system, including Brexit impacts, low profitability of banks and insurers, valuation risks in a low-yield environment, and FinTech developments, with supervisory and policy recommendations under Solvency II and other frameworks.

EBA, ESMA, and EIOPA Joint Committee Autumn 2018 report assessing key risks to the EU financial system, including valuation risks, interest rate increases, contagion effects, and Brexit uncertainties, with policy recommendations for stress testing, NPL management, and contingency planning.

EBA Joint Committee April 2018 report analysing key risks and vulnerabilities in the EU financial system, including valuation risks, Brexit impacts, cyber threats, climate change, and crypto-assets, with policy recommendations for supervisory actions and stress testing.