EBA, ESMA, and EIOPA report assessing EU Member States' implementation of beneficial owner customer due diligence requirements under the Third Money Laundering Directive (2005/60/EC), covering definitions, thresholds, verification, and high-risk indicators for AML/CTF compliance.
EBA, ESMA, and EIOPA report assessing EU Member States' legal provisions and supervisory expectations on Simplified Due Diligence for credit and financial institutions under the Third Money Laundering Directive (2005/60/EC).
Joint Committee of EBA, ESMA, and EIOPA report from December 2012 assessing AML/CTF obligations and supervision for e-money issuers, agents, and distributors under the 2nd E-Money Directive and 3rd Money Laundering Directive across Europe.
EBA, ESMA, and EIOPA Joint Committee 2013 report analysing key risks and vulnerabilities in the EU financial system, including macroeconomic weakness, low interest rates, market fragmentation, collateral reliance, valuation uncertainties, and benchmark integrity, with policy recommendations for regulators and policymakers.
Joint Committee of European Supervisory Authorities report outlining guidelines for risk-based supervision of anti-money laundering and counter-terrorism financing (AML/CFT) across EU financial institutions, including key steps and self-assessment tools for supervisors.
European Supervisory Authorities (EBA, EIOPA, ESMA) establish joint high-level principles for product oversight and governance processes by financial institutions to enhance consumer protection, covering target market identification, product testing, distribution, and ongoing monitoring across banking, insurance, and securities sectors.
EBA Joint Committee Autumn 2019 report analysing key risks to the EU financial system, including Brexit impacts, low interest rates, sustainable finance, and ESG risks, with policy recommendations for financial institutions and supervisors.
EBA and Joint Committee report mapping INC Rating Sp. z o.o.’s credit assessments to Credit Quality Steps under the Capital Requirements Regulation (CRR) Standardised Approach, aligning its long-term issuer ratings with EU prudential risk scales for regulatory capital purposes.
EBA and Joint Committee report mapping modeFinance’s credit assessments to Credit Quality Steps under the Capital Requirements Regulation (CRR) Standardised Approach, aligning its long-term rating scale with EU prudential risk weights for regulatory use.
EBA and Joint Committee report mapping RAEX GmbH’s credit assessments to Credit Quality Steps under the Capital Requirements Regulation (CRR) Standardised Approach, aligning rating categories with prudential risk scales for regulatory capital calculations.
EBA Joint Committee report analysing risks and vulnerabilities in the EU financial system amid COVID-19, covering market liquidity, credit risks, bank profitability, ICT and cyber threats, and Brexit preparedness, with policy recommendations for financial institutions and supervisors.
EBA, EIOPA, and ESMA final report assessing mechanistic references to credit ratings in their guidelines and recommendations, identifying sole or mechanistic reliance and proposing actions to reduce it under Solvency II and other frameworks (2014).
Joint Committee of European Supervisory Authorities (ESAs) spring 2014 report analysing key risks and vulnerabilities in the EU financial system, including weak macroeconomic outlook, low-interest-rate risks, emerging market exposure, and operational threats, with recommendations for supervisory stress tests and policy measures.
EBA protocol outlining supervisory cooperation between home and host authorities for passport notification, registration, and AML/CTF supervision of payment institutions' agents and branches under PSD and 3rd AMLD.
EBA, EIOPA, and ESMA provide joint advice to the European Commission on revising the Financial Conglomerates Directive (FICOD), covering scope expansion, governance, sanctions, and supervisory perimeter to strengthen oversight of financial conglomerates.
Keynote speech by Olivier Guersent at the 2016 Joint ESAs Consumer Protection Day – discusses consumer protection progress, challenges in FinTech and Big Data, and regulatory efforts under EBA, EIOPA, and EU frameworks like the Insurance Distribution Directive and IORP2.
EBA, ESMA, and EIOPA's 2016 Joint Consumer Protection Day addresses EU consumer protection in financial services, focusing on risk-based approaches, digitalisation risks, and consistent implementation of directives like MiFID II, PRIIPs, and Big Data regulation.
Statement by ESMA Chair Steven Maijoor on behalf of the European Supervisory Authorities (ESAs) to the European Parliament’s ECON Committee, reviewing five years of regulatory work, cooperation on technical standards, and proposals to enhance transparency and efficiency in the endorsement process for financial sector rules.
EBA Joint Committee statement on PRIIPs regulation – addressing stakeholder concerns, proposing targeted amendments to performance scenarios and cost disclosures, and outlining a 2019 comprehensive review of the PRIIPs Delegated Regulation to enhance retail investor protection and transparency.
European Supervisory Authorities (EBA, EIOPA, ESMA) welcome the European Commission’s 2017 consultation on improving their governance, funding, powers, and supervisory architecture to strengthen financial regulation, consumer protection, and Capital Markets Union integration.