CP on draft RTS on crowdfunding.pdf
Consultation paper on draft RTS on Individual Portfolio Management of loans offered by crowdfunding service providers
Consultation paper on draft RTS on Individual Portfolio Management of loans offered by crowdfunding service providers
Report on the mystery shopping activities of National Competent Authorities
The European Banking Authority (EBA) published today a Report on the mystery shopping activities of NCAs. The EBA collated mystery shopping activities by NCAs with a view to share experiences, learn valuable lessons, and identify good practices for the benefit of the EBA and NCAs that use or intend to use mystery shopping in the future.
Joint Committee Report on the application of Guidelines on complaints-handling
The Joint Committee of the three European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs) published today a Report on the application of their Guidelines on complaints-handling. The Report concludes that the Guidelines have contributed to a consistent approach to complaints-handling across the banking, insurance and securities sectors and have resulted in better outcomes for consumers.
The European Banking Authority (EBA) published today its Consumer Trends Report for 2020/2021. The Report identifies topical issues including irresponsible lending, creditworthiness assessments, and digitalisation, which the EBA has very recently addressed, as well as others, such as selling practices and access to bank account, which it has recently started to work on. The Report also explains the measures the EBA has taken to mitigate the impact of the COVID-19 pandemic on consumers.
Consumer trends report 2020/2021
The European Banking Authority (EBA) published today its second report on how the industry has implemented the EBA Guidelines on Product Oversight and Governance Arrangements (POG). It identifies good practices of financial institutions and concludes that many of them do not sufficiently put the required focus on ensuring that consumers’ needs are met in line with the Guidelines. Therefore, the EBA encourages financial institutions to ensure that the interests, objectives and characteristics of consumers are taken into account when applying POG arrangements, in order to avoid consumer detriment.
Second EBA Report on the application of the guidelines on product oversight and governance (POG) arrangements
Financial Education Report 2019/20 - Financial Education
The European Banking Authority (EBA) published today a Report on the review of the Regulatory Technical Standard (RTS) specifying the minimum monetary amount of the professional indemnity insurance (PII) or comparable guarantee for mortgage credit intermediaries. The EBA assessed the information obtained from national authorities, from a sample of intermediaries and through desk-based research and concluded that no amendments to the RTS are currently required.
EBA report on the review of the RTS on PII for mortgage credit intermediaries
Opinion on disclosure to consumers of banking services through digital means
Joint Committee Report on cross-border supervision of financial services
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