Consumer protection and financial innovation

The EBA promotes a transparent, simple and fair internal market for consumers in financial products and services. The EBA seeks to foster consumer protection in financial services across the EU by identifying and addressing detriment consumers may experience, or are at risk of experiencing, in their dealings with financial firms. The role and tasks of the EBA related to consumer protection and financial activities include: collecting, analysing and reporting on consumer trends in the EU; reviewing and coordinating financial literacy and education initiatives; developing training standards for the industry; contributing to the development of common disclosure rules; monitoring existing and new financial activities; issuing warnings if a financial activity poses a serious threat to the EBA's objectives as set out in the its funding Regulation; and temporarily prohibiting or restraining certain financial activities, provided certain conditions are met.

Technical Standards, Guidelines & Recommendations

Opinions, Reports and other Publications





Other Publications


  • Joint Committee Final Report on Big Data (JC-2018-04 ).pdf [520.3KB]

    The Joint Committee of the European Supervisory Authorities (ESAs) published today its final report on Big Data analysing its impact on consumers and financial firms. Overall, the ESAs have found... Read more


  • EBA Financial Education Report [923.3KB]

    The European Banking Authority (EBA) published today its first Report on financial education, covering the years 2017/18. The Report is based on a repository of more than 80 financial education... Read more


  • Consumer Trends Report 2017 [506.4KB]

    The European Banking Authority (EBA) published today its annual consumer trends report for 2017. The Report covers the retail banking products that fall in the EBA's consumer protection... Read more