Factsheet

EBA Data Strategy 2026-2028 outlines plans to enhance data and analytics for EU financial supervision by streamlining reporting, boosting data efficiency, and positioning EBA as a leading data hub using AI and automation to reduce costs and improve transparency.

EBA and AMLA transition of AML/CFT powers by 2025 – outlines regulatory continuity, AMLA’s mandate to harmonise EU AML/CFT rules, direct supervision of high-risk institutions, and EBA’s ongoing role in prudential oversight and collaboration with AMLA.

EBA 2025 innovation monitoring report – analyses adoption of AI, cloud computing, digital wallets, and crypto-assets in EU banking, assesses risks, and outlines supervisory expectations under DORA to ensure secure and competitive financial innovation.

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 analysis on the EU AI Act’s implications for banking and payments, assessing alignment with sectoral laws like CRD, CRR, and DORA, focusing on high-risk AI uses such as creditworthiness assessment and supervisory cooperation requirements by 2025-2027.

European Supervisory Authorities (ESAs) 2025 report analyzing BigTechs' direct financial services in the EU, including payment services, e-money issuance, and insurance intermediation by 11 of 13 major tech groups, assessing licensing, PSD2 exclusions, and cross-border supervisory coordination under DORA and DMA frameworks.

EBA factsheet summarizing findings on white labelling in EU financial services, covering its growth, key products (payments, BNPL, crypto-assets), benefits (lower fees, inclusion), risks (transparency, fraud), and supervisory actions to enhance consumer protection and disclosure by 2026.

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 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 and ESMA factsheet summarizing key findings on crypto lending, borrowing, and staking in the EU, including market size, risks (consumer protection, liquidity, ML/TF), and regulatory considerations under MiCAR for 2025.

EBA and ESMA factsheet summarising key findings from the 2025 joint report on Decentralised Finance (DeFi), covering market size, EU financial sector exposure, risks (ICT, money laundering, consumer protection), and Maximal Extractable Value (MEV) impacts under MiCAR framework.

EBA factsheet on countering terrorist financing – explains terrorist financing risks, differences between targeted financial sanctions and detection, and outlines EBA guidelines for financial institutions and supervisors to mitigate risks, enhance cooperation, and prevent unwarranted derisking under EU Directive 2017/541 and FATF standards.

European Banking Authority (EBA) explainer on preventing money laundering and terrorism financing in the EU’s crypto-assets sector under MiCAR and updated AML/CFT rules – covering regulatory requirements, risk assessments, compliance guidelines, and supervisory measures for crypto-asset service providers (CASPs) from December 2024.