Guidelines on product oversight and governance arrangements for retail banking products

  • Status: Final and translated into the EU official languages

The mis-conduct of financial institutions can cause significant consumer detriment, undermine market confidence, threaten the integrity of the financial system, and incur large costs to wider society. In order to address some of these conduct risks, the EBA has developed detailed Guidelines on product oversight and governance arrangements for the retail banking products that fall into its consumer protection remit, which are: mortgages, personal loans, deposits, payment accounts, payment services, and electronic money. The Guidelines provide a framework for robust and responsible product design and distribution by manufacturers and distributors.

Summary of document history

Previous versions Current version Ongoing versions

Final report on Guidelines on product oversight and governance

  • Status: In force
  • Application date:
  • Compliance deadline:
Documents
Final report on Guidelines on product oversight and Governance

(606.01 KB - PDF) Last update 22 March 2016

EBA GL 2015 18-CT-V3 GLs on product oversight and governance.pdf

(181.86 KB - PDF) Last update 20 January 2022

Press contacts

Franca Rosa Congiu