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Asset-referenced and e-money tokens (MiCA)

Issuers of asset-referenced tokens (ARTs) and electronic money tokens (EMTs) are required to hold the relevant authorisation to carry out activities in the EU. The relevant requirements are set out in the Markets in Crypto-assets Regulation (MiCAR) and are complemented by technical standards and guidelines developed by the EBA.  DocumentsStatement on the application of MiCAR to ARTs and EMTs | Priorities for the supervision of for ART and EMT issuersStatement on timely preparatory […]
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Anti-Money Laundering and Countering the Financing of Terrorism

At the EBA our role is to lead, coordinate and monitor the fight against money laundering (ML) and terrorist financing (TF) across the European Union.Since financial crime respects no borders, a weakness in one area opens up the entire EU single  market to abuse. A common approach is therefore key to effectively fight ML/TF in the EU. At the EBA we have led this work by issuing EU-wide AML/CFT policies and standards, building supervisory capacity, monitoring risks to the integrity of the […]
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Transparency and Pillar 3

This page presents the policy work undertaken by the EBA to promote transparency and enhanced public disclosures by financial institutions in order to reinforce market discipline.Following the recent updates to the regulatory frameworks for credit institutions and investment firms, and the publication in 2018 of the European Commission’s action plan on sustainable finance, the EBA is implementing a new policy strategy on institutions’ Pillar 3 disclosures that seeks to increase efficiency of […]
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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.  linksEBA's information for consumerESMA's Investor cornerEIOPA's Consumer ProtectionJoint Consultation on amendments to the PRIIPs KIDJoint ESAs […]
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Digital finance

The EBA has a statutory duty to monitor and assess market developments, including financial innovation, to achieve a coordinated approach and to provide advice to the co-legislators where needed. In 2024-2027, in addition to the EBA’s strategic objective of implementing DORA and MiCAR and commencing oversight and supervision responsibilities under those measures, the EBA has a strategic objective to increase focus on innovation and consumers. In line with this mandate, the EBA has […]