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GLOSSARY

European Banking Authority (EBA) definition

What does European Banking Authority (EBA) mean?

The european banking authority (EBA) is an independent EU authority which works to ensure effective and consistent prudential regulation and supervision across the European banking sector. Its overall objectives are to maintain financial stability in the EU and to safeguard the integrity, efficiency and orderly functioning of the banking sector.

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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...

EU EMIR—timeline

EU EMIR—timeline This timeline shows key developments relating to Regulation (EU) 648/2012 (EU EMIR) from January 2024 onwards. For earlier developments, see European Market Infrastructure Regulation (EMIR)—timeline [Archived]. 2025 Date Source Document Description 8 April 2025 ESMA ESMA consults on clearing thresholds under EMIR 3 The European Securities and Markets Authority (ESMA) has published a consultation paper on new clearing thresholds under the review of the European Market Infrastructure Regulation (EU) 2024/2987 (EMIR 3) —part of ESMA's mandate to develop regulatory technical standards (RTS) on clearing thresholds. The paper seeks input on revised clearing thresholds, hedging exemptions for non-financial counterparties, and a trigger mechanism for reviewing the thresholds. The focus is on a revised clearing threshold methodology on the activity in over the counter (OTC) derivatives not cleared at an authorised or recognised central counterparty (CCP). The aim is to ensure a proportionate clearing obligation regime for entities with significant OTC derivatives activity and large uncleared positions. Responses are due by 16 June 2025, with a final report...

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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...

EU MiFID II and MiFIR level 2 measures

EU MiFID II and MiFIR level 2 measures The purpose of this Practice Note is to track the status of the level 2 measures required to be adopted by the European Commission in relation to the Markets in Financial Instruments Directive (Directive 2014/65/EU) (MiFID II) and the Markets in Financial Instruments Regulation (Regulation (EU) 600/2014) (MiFIR) (together the EU MiFID II framework), as well as amendments to the level 2 measures. MiFID II and MiFIR came into effect on 3 January 2018 and significantly amended and expanded the regulatory framework that was established by the original Markets in Financial Instruments Directive (2004/39/EC) (MiFID). For more information about the EU MiFID II framework, see Practice Notes: EU MiFID II and MiFIR—essentials and EU MiFID II and MiFIR—one minute guide. ESMA’s Interactive Single Rulebook provides a comprehensive overview of and easy access to all level 2 and level 3 measures adopted in relation to MiFID II and MiFIR. For an article-by-article guide to the EU MiFID II framework highlighting the level 2...

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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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