EBA report on the review of the RTS on PII for mortgage credit intermediaries.pdf
EBA report on the review of the RTS on PII for mortgage credit intermediaries
Consumer protection
The EBA identifies and addresses harm that arises for EU consumers as a result of their interactions with financial institutions. It does so for all retail banking products in the EBA’s scope of action, which are mortgage credit, consumer credit, payment accounts, payment services, electronic money, and deposits, including structured deposits.
Technical Standards, Guidelines & Recommendations
Technical standards
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Guidelines
There is no content available.
Opinions, Reports and other Publications
Opinions
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Decisions
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Reports
Final Report on cross-border supervision of retail financial services.pdf
Joint Committee Report on cross-border supervision of financial services
EBA thematic report on the impact of FinTech on PIs' and EMIs' business models.pdf
EBA thematic report on the impact of FinTech on PIs’ and EMI’s business models
EBA Report on the application of the guidelines on POG arrangements (1).pdf
EBA Report on the application of the guidelines on POG arrangements
Consumer Trends Report 2018-19.pdf
Consumer Trends Report 2018-19
EBA Report on structured deposits.pdf
Report on cost and past performance of structured deposits
Report on the impact of Fintech on incumbent credit institutions' business models.pdf
Report on the impact of Fintech on incumbent credit institutions' business models
Report on prudential risks and opportunities arising for institutions from FinTech
Report on prudential risks and opportunities arising for institutions from FinTech
Q&A on FinTech Roadmap.pdf
European Banking Authority (EBA) Q&A on its FinTech Roadmap – clarifies priorities, regulatory approach, and initiatives for 2018/2019, including innovation monitoring, consumer protection, virtual currencies, and cross-border supervisory cooperation under the EU FinTech Action Plan.
EBA FinTech Roadmap.pdf
European Banking Authority (EBA) FinTech Roadmap outlines priorities and actions following a 2017 consultation, focusing on regulatory sandboxes, prudential risks, consumer protection, AML/CFT, and technological neutrality to foster innovation in EU financial services.
Other publications
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Factsheets
Updated Joint ESAs revised warning on crypto-assets
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.
Joint ESAs Factsheet on crypto-assets_EN.pdf
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.
ESAs joint committee interactive factsheet on financial education and sustainable finance
ESAs joint committee interactive factsheet guides consumers on making sustainable financial choices—covering investments, loans, insurance, and pensions with ESG features, benefits, risks, and tips to avoid greenwashing under EU sustainability frameworks.
How does high inflation and the rise in interest rates affect my money.pdf
EBA consumer guide explaining how high inflation and rising interest rates impact loans, savings, investments, pensions, and insurance – with practical steps to manage personal finances and adapt to changing economic conditions.
How does high inflation and the rise in interest rates affect my money_Banking.pdf
EBA guide explaining how high inflation and rising interest rates impact loans and savings, comparing fixed vs variable rates, offering tips on managing debt, protecting deposits, and choosing financial products wisely.
EBA factsheet_Coordinating financial education and literary.pdf
Factsheet – Coordinating financial education and literacy
Key tips to protect yourself when choosing online or mobile banking services
EBA guide offering practical tips for consumers on safely choosing and using online or mobile banking services, covering financial needs assessment, contract terms, security measures, and dispute resolution options within the EU.