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Opinion on disclosure through digital means. FINAL.pdf
Opinion on disclosure to consumers of banking services through digital means
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
Guidelines on loan origination and monitoring
Regulatory Technical Standards on strong customer authentication and secure communication under PSD2
Technical Standards on standardised terminology and disclosure documents under the PAD
Consumer Trends Report 2018-19.pdf
Consumer Trends Report 2018-19
EBA publishes Consumer Trends Report for 2018-19
The European Banking Authority (EBA) published today its Consumer Trends Report for 2018 and 2019. The Report covers the trends and issues related to retail banking products and services that fall within the EBA's consumer protection mandate, such as mortgages, consumer credit, deposits, payment accounts, payment services and electronic money. The Report also provides an overview of the topical issues identified in 2018/19 that impact or may impact consumers.
Guidelines on the conditions to be met to benefit from an exemption from contingency measures under Article 33(6) of Regulation (EU) 2018/389 (RTS on SCA & CSC)
EBA Report on structured deposits.pdf
Report on cost and past performance of structured deposits
ESAs consult on proposed changes to the key information document for PRIIPs
The European Supervisory Authorities (ESAs) have today issued a consultation paper on targeted amendments to the Delegated Regulation covering the rules for the Key Information Document (KID) for Packaged Retail and Insurance-based Investment Products (PRIIPs).
JC Consultation Paper on targeted amendments to PRIIPs KID
Joint Committee Guidelines on complaints-handling (JC 2018 35)_EN.pdf
Guidelines for complaints-handling for the securities (ESMA) and banking (EBA) sectors
ESAs report finds automation in financial advice slowly growing but scale of market remains limited
The three European Supervisory Authorities (ESAs) – EBA, EIOPA and ESMA – today published the results of their monitoring exercise on automation in financial advice. The Report shows that while the phenomenon of automation in financial advice seems to be slowly growing, the overall number of firms and customers involved is still quite limited.
Regulatory Technical Standards on central contact points under PSD2
Extension of the Joint Committee Guidelines on complaints-handling (JC 2018 35).pdf
Extension of the Joint Committee Guidelines on complaints-handling (JC 2018 35)
EBA updates the Joint Committee Guidelines on complaints-handling to extend their scope of application
The European Banking Authority (EBA) published today an update to the Joint Committee (JC) Guidelines on complaints-handling, which includes an extension of their scope of application to the authorities supervising the new institutions established under the revised Payment Service Directive (PSD2) and the Mortgage Credit Directive (MCD). This extension will ensure that an identical set of requirements for complaints-handling continues to apply to all financial institutions across the banking, investment and insurance sectors. This will provide consumers with the same level of protection, irrespective of which regulated product or service they are purchasing and which regulated institution they are purchasing it from.