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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.  linksEBA's information for consumerESMA's Investor cornerEIOPA's Consumer ProtectionJoint Consultation on amendments to the PRIIPs KIDJoint ESAs […]
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Digital finance

The EBA has a statutory duty to monitor and assess market developments, including financial innovation, to achieve a coordinated approach and to provide advice to the co-legislators where needed. In 2024-2027, in addition to the EBA’s strategic objective of implementing DORA and MiCAR and commencing oversight and supervision responsibilities under those measures, the EBA has a strategic objective to increase focus on innovation and consumers. In line with this mandate, the EBA has […]
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Supervisory reporting

This page provides on overview of supervisory reporting requirements. With the entry into force of the CRD IV/CRR framework new reporting requirements become applicable which are defined by the EBA via technical standards or guidelines.A pathway for a more efficient and proportionate supervisory reporting.  DocumentsEBA Risk Reduction Package RoadmapsDecision on institutions ESG data ad-hoc collectionLinksOverview of IT solutions under CRR reporting | IT […]
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Transparency and Pillar 3

This page presents the policy work undertaken by the EBA to promote transparency and enhanced public disclosures by financial institutions in order to reinforce market discipline.Following the recent updates to the regulatory frameworks for credit institutions and investment firms, and the publication in 2018 of the European Commission’s action plan on sustainable finance, the EBA is implementing a new policy strategy on institutions’ Pillar 3 disclosures that seeks to increase efficiency of […]