EBA updates Joint Committee guidelines on complaints handling for banking and securities sectors, incorporating changes under the Credit Servicers Directive and Mortgage Credit Directive to enhance consumer protection and supervisory consistency.
The European Banking Authority (EBA) published today final Guidelines that extend the existing Joint Committee Guidelines on complaints handling (JC Guidelines) to credit servicers under the new Credit Servicers Directive. When handling complaints from borrowers, credit services are required to apply the same effective and transparent procedures that have been applied for more than a decade to other firms in the banking, insurances and securities sectors.
EBA and ESAs table summarizing EU Member State language and ex ante notification requirements for PRIIPs KID under Regulation (EU) No 1286/2014, providing clarity on national rules for packaged retail and insurance-based investment products as of December 2025.
The European Banking Authority (EBA) today published a Report on structured deposits in the European Union (EU), under the Markets for Financial Instruments Regulation (MiFIR) to monitor this particular market segment. The Report finds that in more than half of the 27 national markets in the EU, structured deposits do not exist, and that the EU market remains very small at an aggregate level, with only €16.7 billion of structured deposits sold between 1 January and 30 September 2023 – the reference period of the Report -, and 95% of which was concentrated in only 4 EU Member States.
European Banking Authority (EBA) report analysing structured deposits – covers definitions, market evolution, investor risks, disclosure requirements, and supervisory activities in the EU from January to September 2023, with proposed improvements for future reporting.
The three European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs) published today a joint report following their workshop on the use of behavioural insights by supervisory authorities in their day-to-day oversight and policy work.
EBA, ESMA, and EIOPA report on a 2024 workshop exploring how national supervisory authorities can apply behavioural insights to enhance consumer protection, policy design, and supervisory effectiveness in financial markets, including lessons from OECD and NCAs.
EBA final report amending Guidelines on arrears and foreclosure (EBA/GL/2015/12) to align with Mortgage Credit Directive (MCD) updates under the Credit Servicers Directive (CSD), ensuring consistency with EU law on borrower-creditor resolution processes.
The European Banking Authority (EBA) published today its amended Guidelines on arrears and foreclosure following the changes introduced in the Mortgage Credit Directive (MCD).
EBA report on virtual IBANs (vIBANs) analysing their characteristics, benefits, and key risks—including money laundering, regulatory arbitrage, and consumer protection gaps—based on a 2023/2024 fact-finding exercise, with recommendations for payment service providers and authorities.
The European Banking Authority (EBA) today published a Report on the issuance of what is commonly referred to as ‘virtual IBANs’ (vIBANs). In the absence of a common definition, the Report observes that the industry issues vIBANs in different ways and for different purposes and national authorities diverge in interpreting and applying regulatory requirements. The Report also identifies resulting issues in terms of money laundering and terrorist financing, consumer and depositor protection, authorisation and passporting, and regulatory arbitrage, and provides recommendations on how to address them.
The European Banking Authority (EBA) published today an Opinion, in which it assesses payment fraud data that has recently become available to the EBA, identifies new types and patterns of payment fraud, and develops proposals to mitigate them. This Opinion aims at further strengthening the forthcoming legislative framework under the Third Payment Services Directive (PSD3) and Payment Services Regulation (PSR), as it will enshrine anti-fraud requirements for several years to come and needs to be as future-proof as possible.
European Banking Authority (EBA) opinion analysing 2022 payment fraud trends, including higher fraud rates in instant payments and social engineering risks. Recommends additional security measures beyond PSD3, PSR, and Instant Payments Regulation to strengthen anti-fraud frameworks for retail payments.
European Banking Authority draft Regulatory Technical Standards outlining requirements, templates, and procedures for handling complaints under MiCAR (Markets in Crypto-assets Regulation), including stakeholder feedback and cost-benefit analysis.
The European Banking Authority (EBA) today published the final draft Regulatory Technical Standards (RTS) that set out the requirements, templates and procedures for handling complaints received by issuers of asset reference tokens (ARTs). The draft RTS fulfil a mandate conferred on the EBA in the Markets in Crypto-Assets Regulation (MiCAR) and were developed in close cooperation with the European Securities and Markets Authority (ESMA).
The European Banking Authority (EBA) today published its final Guidelines on national lists or registers of credit servicers. The Guidelines are addressed to Competent Authorities managing the lists or registers and specify i) the content of the lists or registers, ii) how they should be made accessible, and iii) the deadlines for updating them. Furthermore, the lists or registers should facilitate borrowers’ access to information on complaint handling procedures offered by competent authorities.
EBA guidelines outlining requirements for EU Member States to establish and maintain national lists or registers of credit servicers under Directive (EU) 2021/2167, ensuring transparency and compliance in credit servicing activities.