Securitisation and structured products

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This Overview provides a guide to the Financial Services content within the Securitisation and structured products subtopic, with links to the appropriate materials.

EU and UK regulation of securitisation and structured products

For high-level guidance on the EU regulatory regime for securitisation and structured products, see Practice Note: EU and UK regulation of structured products and securitisation—one minute guide. For a discussion on sustainable securitisations, see Practice Note: Sustainable securitisations.

The Securitisation Regulation and related measures

As part of the Capital Markets Union Action Plan, the European Commission proposed to differentiate simple, transparent and standardised (STS) securitisations which would benefit from reduced due diligence burdens and more appropriate prudential requirements for banks' and insurers' investments in STS products.

The Commission’s securitisation initiative resulted in:

  1. •

    Regulation (EU) 2017/2402 (the EU Securitisation Regulation) that applies to all EU securitisations and includes due diligence, risk retention and transparency rules, together with the criteria for STS securitisations, and

  2. •

    Regulation (EU) 2017/2401 (the EU CRR Amendment Regulation) which amends the Capital Requirements Regulation (EU) 575/2013 and makes the capital treatment of securitisations for banks and investment firms

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Latest Financial Services News

Wider FCA misconduct rule risks over-reporting of staff

Law360, London: The rule change proposed by the Financial Conduct Authority (FCA) on non-financial misconduct for 37,000 companies outside the banking sector will generate pressure on businesses to protectively report employees to the FCA rather than risk later accusations of noncompliance.

FCA responds to IWG final report on MS19/1: Credit Information Market Study

The Financial Conduct Authority (FCA) has updated its webpage on MS19/1: Credit Information Market Study to note that it has published feedback to the Interim Working Group (IWG)’s final report, and provided an accompanying update. The FCA says it will continue to fund the IWG Chair and Secretariat resource for a short period, for the purpose of carrying out specific, essential transition activities that will allow the transition to the new Credit Reporting Governance Body (CRGB) to continue. Once these essential activities are complete and permanent CRGB staff are in place, the FCA will cease funding this staff resource and step away to allow industry to take forward the new governance body. The FCA says it expects this to be by the end of Q3 2025.

EBA launches consultation on draft guidelines for managing non-ICT third-party risk

The European Banking Authority (EBA) has launched a public consultation on its draft Guidelines on the sound management of third-party risk with regard to non-information and communication technology (non-ICT) related services. The draft Guidelines address third-party arrangements involving the provision of critical or important functions by third-party service providers and their subcontractors. They revise and update the EBA’s 2019 Guidelines on outsourcing to reflect developments under the Digital Operational Resilience Act (DORA). A transitional period of two years is proposed for financial entities to review and amend existing third-party arrangements and update their non-ICT registers. Responses are sought by 8 October 2025 and a virtual public hearing will be held on 5 September 2025.

Financial Services—other developments (8/7/2025)

A round-up of other developments, which have not been covered in full by the LexisNexis Financial Services practical guidance team but may nevertheless be of interest.

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