European Supervisory Authorities (ESAs) 2025 report analyzing BigTechs' direct financial services in the EU, including payment services, e-money issuance, and insurance intermediation by 11 of 13 major tech groups, assessing licensing, PSD2 exclusions, and cross-border supervisory coordination under DORA and DMA frameworks.
European Banking Authority (EBA) report analysing the white labelling landscape in the EU, assessing opportunities, risks, and challenges for financial institutions, including AML/CFT considerations and third-party dependencies – October 2025.
EBA factsheet summarizing findings on white labelling in EU financial services, covering its growth, key products (payments, BNPL, crypto-assets), benefits (lower fees, inclusion), risks (transparency, fraud), and supervisory actions to enhance consumer protection and disclosure by 2026.
The European Banking Authority (EBA) today published a Report on white labelling, i.e. a business model in which a financial institution works with another company (partner)—sometimes not even a financial firm—to offer products and services under the partner’s brand. The EBA found that over a third of banks surveyed in 2025 use this model and has identified a need for ongoing supervisory convergence actions that will be taken forward in 2026.
The European Banking Authority (EBA) today published two Opinions in response to the European Commission’s (EC) amendments relating to the draft Regulatory Technical Standards (RTS) specifying the composition and liquidity requirements of the reserve of assets under the Markets in Crypto-Assets Regulation (MiCA). The EBA considers that the EC’s proposed substantive amendments are not consistent with the prudential framework established by MiCA.
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.
The European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today issued a warning to consumers that crypto-assets can be risky and that legal protection, if any, may be limited depending on which crypto-assets they invest in. This warning is accompanied by a factsheet explaining what the new EU regulation on Markets in Crypto-Assets (MiCA) means for consumers. The ESAs recommend concrete steps consumers can take to make informed decisions before investing in crypto-assets such as checking if the provider is authorised in the EU.