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Guidelines amending Joint Committee Guidelines on complaints-handling
EBA updates Joint Committee guidelines on complaints handling for banking and securities sectors, incorporating changes under the Credit Servicers Directive and Mortgage Credit Directive to enhance consumer protection and supervisory consistency.
The EBA extends the existing Joint Committee Guidelines on complaints handling to credit servicers
The European Banking Authority (EBA) published today final Guidelines that extend the existing Joint Committee Guidelines on complaints handling (JC Guidelines) to credit servicers under the new Credit Servicers Directive. When handling complaints from borrowers, credit services are required to apply the same effective and transparent procedures that have been applied for more than a decade to other firms in the banking, insurances and securities sectors.
Table of Member State language and ex ante notification requirements for the PRIIPs KID
EBA and ESAs table summarizing EU Member State language and ex ante notification requirements for PRIIPs KID under Regulation (EU) No 1286/2014, providing clarity on national rules for packaged retail and insurance-based investment products as of December 2025.
The EU market on structured deposits is limited in size, concentrated in only a few Member States, and offers products with varying net returns, the EBA Report finds.
The European Banking Authority (EBA) today published a Report on structured deposits in the European Union (EU), under the Markets for Financial Instruments Regulation (MiFIR) to monitor this particular market segment. The Report finds that in more than half of the 27 national markets in the EU, structured deposits do not exist, and that the EU market remains very small at an aggregate level, with only €16.7 billion of structured deposits sold between 1 January and 30 September 2023 – the reference period of the Report -, and 95% of which was concentrated in only 4 EU Member States.
Report on structured deposits
European Banking Authority (EBA) report analysing structured deposits – covers definitions, market evolution, investor risks, disclosure requirements, and supervisory activities in the EU from January to September 2023, with proposed improvements for future reporting.
ESAs report on the use of behavioural insights in supervisory and policy work
The three European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs) published today a joint report following their workshop on the use of behavioural insights by supervisory authorities in their day-to-day oversight and policy work.
Report of the JC SC CPFI workshop on behavioural insights
EBA, ESMA, and EIOPA report on a 2024 workshop exploring how national supervisory authorities can apply behavioural insights to enhance consumer protection, policy design, and supervisory effectiveness in financial markets, including lessons from OECD and NCAs.