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Third country equivalence and international cooperation

The main goal of equivalence is to manage effectively and facilitate cross-border activity of financial market players in a sound prudential environment, as third countries adhere and adopt the same high standards of prudential rules that are in force within the EU. To this extent, the recognition of equivalence can provide mutual benefits for both the EU and third country financial markets and institutions. The EBA carries out two types of equivalence assessments: equivalence of the […]
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Asset-referenced and e-money tokens (MiCA)

Issuers of asset-referenced tokens (ARTs) and electronic money tokens (EMTs) are required to hold the relevant authorisation to carry out activities in the EU. The relevant requirements are set out in the Markets in Crypto-assets Regulation (MiCAR) and are complemented by technical standards and guidelines developed by the EBA.  DocumentsStatement on the application of MiCAR to ARTs and EMTs | Priorities for the supervision of for ART and EMT issuersStatement on timely preparatory […]
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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 2026 the EBA has a priority to enhance the technological capacity of all stakeholders.In line with this mandate, the EBA continues a particular focus on i) artificial intelligence and machine learning, ii) crypto-asset markets, DLT use cases and iii) value chain evolutions […]
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Anti-Money Laundering and Countering the Financing of Terrorism

From 1 January 2026, responsibility for all EU‑level anti‑money laundering and counter‑terrorist financing (AML/CFT) tasks has moved from the European Banking Authority (EBA) to the new Anti‑Money Laundering Authority (AMLA).AMLA now develops and enforces the EU’s common AML/CFT rules, directly supervises selected high‑risk financial institutions, and coordinates the work of national Financial Intelligence Units (FIUs).For any AML/CFT‑related information going forward, please visit: https […]
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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 […]