EBA E-mail alert 9 November, 2026

The European Banking Authority (EBA) published today a factsheet to help consumers identify when a banking or payment product or service is white labelled, i.e. marketed under one brand but provided by another company. As consumers increasingly access financial products and services through online platforms, retailers and other non-financial brands, it may be sometimes unclear which company is responsible for providing the product or service. Understanding this distinction can help consumers make informed decisions, know who they are dealing with and reduce risks. For this reason, the factsheet also guides consumers on the key things to know and check before getting that product or service.

The European Banking Authority (EBA) today released the final methodology, draft templates, and template guidance for its 2027 EU-wide stress test, together with the key milestones for the exercise. Following extensive engagement with industry participants, the EBA has significantly streamlined the exercise, reducing the number of required data points by 55% through the simplification of reporting templates and closer alignment with supervisory reporting. These changes will reduce operational burden and improve efficiency while preserving the robustness, risk-sensitivity and comparability of stress test results. The 2027 exercise will also include, for the first time, a dedicated module assessing climate-related risks. The 2027 EU-wide stress test will formally start in January 2027, following the release of the macroeconomic and climate scenarios, with the results scheduled for publication by the end of July 2027.