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GLOSSARY

European Banking Authority definition

Published by a LexisNexis EU Law expert

What does European Banking Authority mean?

The EBA is a regulatory agency which is composed of high level national authorities responsible for the supervision of credit institutions.

The EBA was established as a reaction to the subprime mortgage crisis of 2007-2008 as one of the European Supervisory Authorities by Regulation 1093/2010 in 2011. It took over all existing and ongoing tasks and responsibilities from the Committee of European Banking Supervisors (CEBS) by 1 January 2011. Its main tasks are to take part in the establishment of high-quality common regulatory and supervisory standards and practices; to contribute to the consistent application of the Union legislation; to strengthen international supervisory coordination; and to settle disagreements between national supervisory authorities regarding the application of EU regulations.

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EU Securitisation Regulation—timeline

EU Securitisation Regulation—timeline This timeline shows key developments relating to Regulation (EU) 2017/2402 (the EU Securitisation Regulation) from January 2024 onwards. For earlier developments, see EU and UK Securitisation Regulations—timeline [Archived]. 2025 Date Source Document Description 1 April 2025 AFME The Joint Associations’ response to the ESMA consultation of February 2025 on the revision of the disclosure framework for private securitisation AFME, Commercial Real Estate Finance Council (CREFC) Europe and International Capital Market Association (ICMA) submitted a joint response to the European Securities and Markets Authority's (ESMA) consultation on revising private securitisation disclosure requirements. The joint response argues against: introducing a simplified reporting regime for EU-originated securitisations before wider reforms, citing concerns about potential changes to private securitisation definitions, continued template-based reporting requirements, and unresolved third-country reporting issues. They propose an alternative approach focusing on supervisory reporting needs while allowing more flexible investor disclosures.See: LNB News 01/04/2025 71. 31 March 2025 EBA Joint Committee Report on the implementation and functioning of the Securitisation Regulation (Article 44) The Joint Committee...

EU operational resilience—timeline

EU operational resilience—timeline This timeline shows key developments relating to EU operational resilience requirements for financial services firms from January 2024 onwards. For earlier developments, see Operational resilience—timeline [Archived] 2025 Date Source Document Description 15 April 2025 FSB FSB finalises the common Format for Incident Reporting Exchange (FIRE) The Financial Stability Board (FSB) has published its finalised format for incident reporting exchange (FIRE), which aims to standardise and streamline cyber and operational incident reporting. Developed with private sector collaboration, FIRE addresses fragmentation in reporting requirements across multiple jurisdictions and supports phased implementation. It is interoperable with existing systems and applicable to a wide range of incidents, including those involving third-party service providers. The initiative promotes convergence in cyber incident reporting, reduces the reporting burden for firms, and improves communication among authorities.See: LNB News 15/04/2025 37. 24 March 2025 European Commission COMMISSION DELEGATED REGULATION (EU) …/... supplementing Regulation (EU) 2022/2554 of the European Parliament and of the Council with regard to regulatory technical standards specifying the elements that a financial...

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The European Supervisory Authorities (ESAs) and the European System of Financial Supervision

This Practice Note provides guidance on the European Supervisory Authorities (ESAs): (the European Securities and Markets Authority (ESMA), the European Banking Authority (EBA) and the European Insurance and Occupational Pensions Authority (EIOPA), amongst other things, their roles and general powers to develop draft technical standards, and issue opinions, guidance and recommendations to national supervisors in the EU. The ESAs, together with the European Systemic Risk Board (ESRB) and the national competent authorities (NCAs) of EU Member States make up the European System of Financial Supervision (ESFS).ESAs work with the ESRB to ensure financial stability and to strengthen and enhance the EU supervisory framework and aim to improve coordination between national supervisory authorities, and raise standards of national supervision across the EU. The ESAs also issue guidance and recommendations which national supervisors and firms must make every effort to comply with. Where the ESAs believe that a national competent authority (NCA) is failing to apply EU law, or is doing so in a way that appears to be in breach of...

UK payment accounts requirements—essentials

UK payment accounts requirements—essentials STOP PRESS: In March 2025, the government announced its intention to consolidate the Payment Systems Regulator and its functions primarily into the Financial Conduct Authority. The move is intended to streamline the regulatory environment, reduce overlap, and allow businesses to focus on innovation and service delivery. It is not clear when the change will come into effect but HM Treasury has said in a letter that it intends to consult on the details of the proposal over the course of summer 2025 and that it will legislate as soon as possible. In the interim, the PSR and FCA plan to collaborate closely. Scope of this Practice Note The Payment Accounts Directive (Directive 2014/92/EU) (PAD) sets common regulatory standards that member states must meet in order to: • improve the transparency and comparability of fees related to current accounts • facilitate switching of those accounts • ensure access to bank accounts with basic features The government was required to have implemented PAD in the...

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EU Law weekly highlights—22 May 2025

This week's edition of EU Law weekly highlights includes the agreement of a new strategic partnership at the first UK-EU summit, the launch of the EU’s Single Market Strategy, and the publication of the third and fourth omnibus simplification packages, entailing changes to the Common Agricultural Policy and the introduction of a new ‘small mid-cap’ company category. In addition this week, the European Commission released a set of frequently asked questions on the EU Data Act, launched a public consultation on its Consumer Agenda, launched a public consultation on its Gender Equality Strategy, and launched a call for evidence regarding its planned European Business Wallet Regulation. Finally this week, amendments to the EU Benchmarks Regulation were published in the Official Journal, the EU Intellectual Property Office published a study examining the legal implications of using copyright-protected works to train generative AI systems, Russia launched a WTO dispute challenging the EU’s carbon border adjustment mechanism, and the European Parliament and the Council of the EU reached provisional agreement on the revised...

CRR3—EBA publishes onboarding plan for Pillar 3 data hub implementation

The European Banking Authority (EBA) has published an onboarding plan to implement the Pillar 3 Data Hub, a centralised platform for public disclosures under Regulation (EU) 2024/1623 of the European Parliament and of the Council amending Regulation (EU) 575/2013 (CRR3). The plan outlines the steps for large and other institutions to access and submit their Pillar 3 information using the European Centralised Infrastructure of Data (EUCLID) regulatory reporting platform. The phased approach allows institutions to update their internal processes while continuing their disclosure requirements throughout 2025, with final submissions scheduled for a later stage. Public access to the disclosed information through the Pillar 3 Data Hub is scheduled to commence in December 2025.

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