Simplification and efficiency of the Regulatory and Supervisory Framework

Over the past decade, the EU regulatory and supervisory framework has expanded significantly, increasing complexity and administrative burden for institutions and authorities alike.

As part of the EU‑wide drive to promote simplification, proportionality and efficiency, the EBA has launched a structured programme to streamline regulatory and supervisory rules and processes, while safeguarding financial stability and resilience.

The programme aims to:

• reduce unnecessary complexity;
• ensure proportionate requirements for institutions of different sizes and risk profiles; and
• improve the efficiency of regulatory and supervisory deliverables across the EU.

Scope of our work

A key milestone in this process was the publication, on 1 October 2025, of the Report on the Efficiency of the Regulatory and Supervisory Framework, alongside the EBA Work Programme 2026. The Report sets out the results of a comprehensive assessment exercise and specific recommendations across four key areas:

1. the production of Level 2 (L2) and Level 3 (L3) regulatory products addressed to financial institutions;
2. reporting requirements and the burden placed on institutions;
3. the EBA’s contribution to the EU prudential regulatory framework; and
4. internal working arrangements.

Time horizons for implementation

For each of these areas, the EBA assessed the current situation and identified possible improvements over three time horizons:

• Short term (2026)
• Medium to longer term (beyond 2026)

Monitoring progress on implementation

This interactive dashboard allows users to track progress on the implementation of each recommendation and related deliverable under the simplification and efficiency framework.

By navigating the dashboard, users can monitor the status of individual actions over time, gaining a clear and structured overview of how implementation is advancing across the different work streams. The dashboard supports transparency and provides a consistent way of following progress against the recommendations set out in the Report.