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.
EBA, EIOPA, and ESMA provide joint advice to the European Commission on revising the Financial Conglomerates Directive (FICOD), covering scope expansion, governance, sanctions, and supervisory perimeter to strengthen oversight of financial conglomerates.
Keynote speech by Olivier Guersent at the 2016 Joint ESAs Consumer Protection Day – discusses consumer protection progress, challenges in FinTech and Big Data, and regulatory efforts under EBA, EIOPA, and EU frameworks like the Insurance Distribution Directive and IORP2.
EBA, ESMA, and EIOPA's 2016 Joint Consumer Protection Day addresses EU consumer protection in financial services, focusing on risk-based approaches, digitalisation risks, and consistent implementation of directives like MiFID II, PRIIPs, and Big Data regulation.
Statement by ESMA Chair Steven Maijoor on behalf of the European Supervisory Authorities (ESAs) to the European Parliament’s ECON Committee, reviewing five years of regulatory work, cooperation on technical standards, and proposals to enhance transparency and efficiency in the endorsement process for financial sector rules.
EBA Joint Committee statement on PRIIPs regulation – addressing stakeholder concerns, proposing targeted amendments to performance scenarios and cost disclosures, and outlining a 2019 comprehensive review of the PRIIPs Delegated Regulation to enhance retail investor protection and transparency.
European Supervisory Authorities (EBA, EIOPA, ESMA) welcome the European Commission’s 2017 consultation on improving their governance, funding, powers, and supervisory architecture to strengthen financial regulation, consumer protection, and Capital Markets Union integration.
EBA Joint Committee 2016 statement to the European Parliament outlining achievements in consumer protection, cross-sectoral risk assessment, PRIIPs KID implementation, ECAI standards under CRR/Solvency II, and EMIR risk mitigation for OTC derivatives, alongside future priorities for EU financial regulation.
EBA, EIOPA, and ESMA Joint Committee 2016 annex outlining key deliverables from September 2015 to 2016, including PRIIPs regulatory technical standards, anti-money laundering guidelines, risk reports, consultations on automation in financial advice, and prudential assessments under EU regulations.
2018 ECON hearing statement by the Joint Committee of European Supervisory Authorities outlining key activities on PRIIPs Regulation implementation, AML/CFT framework improvements, Brexit risks, consumer protection, and financial innovation including virtual currencies and big data.
EBA and ESMA joint statement on transitional disclosure requirements for EU securitisations under the Securitisation Regulation (EU 2017/2402) and CRR2, addressing operational challenges with CRA3 templates and proportional supervisory enforcement until ESMA templates are adopted.
EIOPA’s 2017–2018 report to the European Parliament highlights key achievements in consumer protection, supervisory convergence, financial stability, sustainable finance, Brexit preparedness, and initiatives like the Pan-European Personal Pension Product (PEPP).