EBA, ESMA, and EIOPA remind credit institutions and insurers about regulatory requirements for self-placement of financial instruments to retail investors, depositors, and policyholders, highlighting risks under CRD IV, BRRD, and Solvency 2, including bail-in exposure and lack of product standardization.
European Supervisory Authorities (ESAs) report on key risks and vulnerabilities in the EU financial system as of autumn 2014, analysing weak economic growth, low interest rates, search-for-yield behaviour, emerging market risks, business conduct, and IT-related operational risks, with policy recommendations for micro-prudential responses.
EBA Joint Committee Spring 2016 report analysing key risks to the EU financial system, including low profitability of banks and insurers in a low-yield environment, interconnectedness of financial entities, and vulnerabilities from China and emerging markets.
EBA Joint Committee Autumn 2016 report analysing key risks to the EU financial system, including low growth, low yields, profitability challenges for banks and insurers, asset quality concerns, and increased interconnectedness amid post-Brexit uncertainties and market volatility.
European Supervisory Authorities' 2017 Joint Committee Annual Report – covers cross-sectoral risks, AML/CFT progress, consumer protection, financial innovation, Brexit implications, PRIIPs regulation, and financial conglomerates supervision under EU frameworks.
European Supervisory Authorities (ESAs) report analysing regulatory sandboxes and innovation hubs for FinTech in the EU – presenting a comparative analysis, best practices for design and operation, and options for future EU-level coordination to support financial innovation and cross-border scaling.
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.