Consumer protection
The EBA identifies and addresses harm that arises for EU consumers as a result of their interactions with financial institutions. It does so for all retail banking products in the EBA’s scope of action, which are mortgage credit, consumer credit, payment accounts, payment services, electronic money, and deposits, including structured deposits.
Technical Standards, Guidelines & Recommendations
Technical standards
Regulatory Technical Standards on strong customer authentication and secure communication under PSD2
Regulatory Technical Standards on passporting under PSD2
These Regulatory Technical Standards (RTS) on the framework for cooperation and exchange of information between competent authorities for passporting will ensure that information about those payment institutions that carry out business in one or more EU Member States is exchanged consistently between the national authorities of the home and host Member States. They distinguish the notifications related to branch establishments, agent’s engagement and free provision of services.
Regulatory Technical Standards on the content and presentation of the KIDs for PRIIPs
The European Supervisory Authorities (ESAs) are mandated by the Regulation on Key Information Documents for Packaged Retail and Insurance-based Investment Products (PRIIPs Regulation) to develop draft Regulatory Technical Standards (RTS) on the content and presentation of the KIDs for PRIIPs. The aim of the KIDs is to provide EU retail investors with consumer-friendly information about investment products with the ultimate aim of improving transparency in the investment market.
Guidelines
Opinions, Reports and other Publications
Opinions
EBA Opinion on RTS on Crowdfunding.pdf
Opinion on RTS on Crowdfunding
EBA's response to the EC Call for advice on the review of MCD.pdf
Response to the Call for Advice on the review of MCD
Opinion on disclosure through digital means. FINAL.pdf
Opinion on disclosure to consumers of banking services through digital means
EBA Opinion on the amended text of the RTS on SCA and CSC (EBA-Op-2017-09).pdf
EBA Opinion on the amended text of the RTS on SCA and CSC (EBA-Op-2017-09)
EBA Opinion on the Commission’s proposal to bring virtual currency entities into the scope of 4AMLD
EBA Opinion on the Commission’s proposal to bring virtual currency entities (EBA-Op-2016-14)
EBA-Op-2015-09 Opinion on good practices for mortgages.pdf
EBA/Op/2015/09 Opinion on good practices for mortgages
EBA-Op-2015-03 (EBA Opinion on lending based Crowdfunding).pdf
EBA/Op/2015/03 Opinion on lending based crowdfunding
EBA-OP-2014-13 - Technical Advice on Structured Deposits.pdf
EBA/Op/2014/13 Technical Advice on Structured Deposits
EBA-Op-2014-08 Opinion on Virtual Currencies.pdf
EBA Opinion on Virtual Currencies EBA/Op/2014/08
EBA Opinion on Good Practices for Borrowers in Payment Difficulties.pdf
EBA/Op/2013/03 Opinion on Good Practices for the Treatment of Borrowers in Mortgage Payment Difficulties
Decisions
Final Report on decision of European Banking Authority specifying the benchmark rate under MCD.pdf
Final report on Decision on specifying the benchmark rate under MCD (EBA DC 145)
Reports
Report on mystery shopping excercise.pdf
Report on mystery shopping excercise
Consumer Trends Report 2022-2023.pdf
Consumer trends report 2022/2023
Retail risk indicators.pdf
Retail Risk Indicators March 2023 (PDF)
Thematic report on financial education.pdf
Thematic Report on national financial education initiatives on digitalization
Report on the thematic review on fees and charges.pdf
Thematic review on the transparency and level of fees and charges for retail banking products
EBA's response to the EC Call for advice on the review of MCD.pdf
Response to the Call for Advice on the review of MCD
EBA Report on the Application of the Guidelines on the Remuneration of Sales Staff.pdf
Report on the application of the Guidelines on the remuneration of sales staff
EBA Report on the mystery shopping activities of National Competent Authorities.pdf
Report on the mystery shopping activities of National Competent Authorities
EBA Consumer trend report.pdf
Consumer trends report 2020/2021
Other publications
Statement on timely preparatory steps towards the application of MiCAR to asset-referenced and e-money tokens.pdf
Statement on timely preparatory steps towards the application of MiCAR to asset-referenced and e-money tokens
EBA response to the EU Commission Green Paper on Retail Financial Services (COM 2015(630)).pdf
EBA response to the EU Commission Green Paper on Retail Financial Services (COM 2015(630))
Call for interest Expert Group PRIIPs.pdf
Call for interest Expert Group PRIIPs