EBA consumer guide on crypto fraud and scams – outlines warning signs, protection steps, and actions to take if targeted, covering Ponzi schemes, fake investments, phishing, and secure wallet practices to prevent financial loss and identity theft.
EBA guidance on identifying and preventing AI-powered online financial frauds and scams, including phishing, impersonation, crypto fraud, and deepfakes, with warning signs and protective measures for consumers.
EBA and ECB 2025 report analysing payment fraud trends, including fraud levels, types, impact of Strong Customer Authentication (SCA), losses, and geographical patterns across EU payment instruments.
Joint ESAs factsheet explaining the EU Markets in Crypto-Assets Regulation (MiCA) – outlining consumer protections, types of regulated crypto-assets (EMTs, ARTs, utility tokens), risks of unregulated providers, and key definitions like stablecoins and NFTs.
Joint ESAs warning on crypto-assets highlights risks, consumer protection gaps, and MiCA regulation applicability from December 2024, advising caution on volatility, fraud, and unregulated providers outside the EU.
EBA consults on revising product oversight and governance guidelines for retail banking to address ESG features and greenwashing risks, seeking stakeholder feedback by October 2025.
European Banking Authority (EBA) report reviewing the standardised terminology for payment account services under the Payment Accounts Directive (PAD). Assesses EU legislation, national authorities' and stakeholders' views, and concludes the current Regulatory Technical Standards (RTS) remain fit-for-purpose, with potential future updates for instant credit transfers.
European Banking Authority (EBA) 2024/25 Consumer Trends Report analyses retail banking products, payment fraud, indebtedness, and de-risking, assessing measures by EBA and national authorities to address key consumer protection issues in the EU.
EBA report assessing creditworthiness assessment practices of non-bank lenders (NBLs) across the EU, identifying gaps in information gathering and verification, regulatory fragmentation, and supervisory challenges under the Consumer Credit Directive (CCD) and Mortgage Credit Directive (MCD).
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.
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.
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.
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.
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.
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.
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.
JECPD 2023 Programme 2023
Report on mystery shopping excercise