Search

EBA opinion outlining supervisory priorities for national authorities as the transition period under its No-Action Letter on PSD2 and MiCA interplay ends on 2 March 2026, addressing authorisation processes, conditions for continued EMT transactions, and coordination between PSD2 and MiCA frameworks.

EBA, ECB, and EU national authorities establish a cooperation framework for information sharing to support non-bank payment service providers' access to central bank-operated payment systems under a 2025 MoU.

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.

European Banking Authority follow-up peer review report assessing implementation of PSD2 authorisation guidelines by competent authorities, covering AML/CFT controls, governance, local substance, and resource adequacy as of 2025.

EBA report on AI adoption in EU banking and payments – analyses use cases, market trends, and risks, including credit scoring, fraud detection, customer support, and General-Purpose AI (GPAI), highlighting efficiency gains and regulatory challenges as of 2025.

EBA opinion clarifying the interplay between PSD2 and MiCA for crypto-asset service providers handling electronic money tokens, advising NCAs on temporary authorisation exemptions and supervisory priorities until PSD3/PSR apply, while recommending long-term legislative alignment to avoid dual licensing burdens.

EBA final draft Implementing Technical Standards (ITS) on uniform reporting templates for SEPA credit transfer charges, payment account fees, and rejected transaction shares under Regulation (EU) 260/2012, balancing data needs with industry burden while addressing implementation challenges for 2025.

EBA draft implementing technical standards outlining uniform reporting instructions for payment service providers under SEPA Regulation (EU) No 260/2012, covering credit transfers, charges, payment accounts, and rejected transactions in euro and national currencies.

EBA and ECB 2024 report analysing payment fraud trends, including fraud levels, types, losses, and the impact of Strong Customer Authentication (SCA) across Europe in H1 2023.

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.

Peer Review Report on authorisation under PSD2

Decision on reporting of payment fraud data under the revised Payment Services Directive

Response to the Call for Advice on the review of PSD2

Letter to European Commission DG FISMA

Final Report on amending RTS on SCA and CSC under PSD2

Final Report on Guidelines on the limited network exclusion under PSD2