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European Insurance and Occupational Pensions Authority (EIOPA) definition

What does European Insurance and Occupational Pensions Authority (EIOPA) mean?

The european insurance and occupational pensions authority (EIOPA) is an independent EU authority with core responsibilities of supporting the stability of the financial system (particularly the insurance sector), the protection of policyholders, pension scheme members and beneficiaries and the transparency of markets and financial products.

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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 4 July 2025 EBA Final Report on EMIR 3 Active Account Requirement The European Securities and Markets Authority (ESMA) has published its Final Report on the Active Account Requirement under the European Market Infrastructure Regulation (EU) 2024/2987 (EMIR 3). Developed in cooperation with the European Banking Authority, the European Insurance and Occupational Pensions Authority, and the European Systemic Risk Board, the report aims to mitigate financial stability risks arising from EU counterparties’ reliance on third-country central counterparties (Tier 2 CCPs). It requires certain financial and non-financial counterparties to maintain operational and representative active accounts with EU-based CCPs. The draft regulatory technical standards will be submitted to the European Commission for adoption, pending non-objection from the European Parliament and Council. 30 June 2025 EBA EBA provides its technical advice to the European Commission on fees to validate...

Payment Accounts Directive and Payment Accounts Regulations 2015–timeline [Archived]

Payment Accounts Directive and Payment Accounts Regulations 2015–timeline [Archived] ARCHIVED: This Practice Note is archived and is no longer maintained. The Payment Accounts Directive (Directive 2014/92/EU) (PAD) is intended to enhance transparency and comparability for consumers in respect of payment accounts. In particular, the PAD: • makes it easier for consumers to compare fees charged by banks and other service providers across the EU • facilitates consumer switching of payment accounts, and • entitles all EU consumers to open a payment account that enables them to perform essential functions such as receiving their salary and paying bills The PAD has its origins in the European Commission's consultation on retail bank accounts, opened in March 2012, which assessed the need for action in the areas of transparency and comparability of fees, account switching and access to basic payment accounts. This followed a retail banking sector inquiry in 2007 which had identified these factors as obstacles to consumer choice and mobility. Member States' subsequent attempts to tackle the problems at a national level...

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EU Solvency II—third-country equivalence

EU Solvency II—third-country equivalence This Practice Note explains how the EU and the wider EEA decide whether to recognise the equivalence of third country insurance regulation regimes. Introduction The regulation of insurance imposes burdens on firms and groups (insurance groups). The burden may be duplicated when an insurance business carries out business in a range of different countries. A recognition of equivalence by one state, A, of another state, B, may to a greater or lesser extent reduce that burden. The EU equivalence regime The only insurance equivalence regimes applying in the EU arise in relation to the prudential regulation of insurance. Even within the prudential sphere they are limited in scope. There are no EU insurance equivalence regimes applying in relation to rules on conduct of business (ie relationships with customers) or the activities of brokers or other insurance distributors. To understand the equivalence regime it is best to consider the prudential background and what the equivalence regime is not before explaining what it...

Appealing against a European Supervisory Authority decision—one minute guide [Archived]

Appealing against a European Supervisory Authority decision—one minute guide [Archived] Introduction to bringing an appeal against an ESA decision The three 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) were established as from January 2011. The ESAs ensure closer cooperation and exchange of information among national supervisors, facilitate the adoption of EU solutions to cross-border problems, and advance the coherent interpretation and application of rules. For further information, see The European Supervisory Authorities (ESAs) and the European System of Financial Supervision and The EU’s Single Supervisory Mechanism. Articles 58 and 59 of the Regulation (EU) No 1093/2010, Regulation (EU) No 1094/2010, Regulation (EU) No 1095/2010 (collectively, the ESAs Regulations) provide for the establishment of an independent and impartial Board of Appeal of the three ESAs. Under Article 58(8) of the ESAs’ Regulations, the ESAs provide operational and secretarial support to the Board of Appeal through the Joint Committee, a body...

Discover our 31 Practice Notes on European Insurance and Occupational Pensions Authority (EIOPA)

What is a new product and what classes as a significant change to an existing product in relation to the new Insurance Distribution Directive?

What is a new product and what classes as a significant change to an existing product in relation to the new Insurance Distribution Directive? Article 25(1) of the Insurance Distribution Directive (Directive (EU) 2016/97) (IDD) requires insurance undertakings, as well as intermediaries which manufacture any insurance product for sale to customers, to maintain, operate and review a process for the approval of each insurance product, or significant adaptations of an existing insurance product, before it is marketed or distributed to customers. In the Financial Conduct Authority (FCA) Handbook, this is reflected in PROD 4.2.1 R. Similar language is used in Article 4(1) of Commission Delegated Regulation (EU) 2017/2358, which requires manufacturers to maintain, operate and review a product approval process for newly developed insurance products and for significant adaptations of existing insurance products. Article 6(1) of Commission Delegated Regulation (EU) 2017/2358 requires manufacturers to test their insurance products appropriately, including scenario analyses where relevant, before bringing that product to the market or significantly adapting it, or in case...

Brexit—what are the passporting and equivalence implications for the UK insurance sector?

Brexit—what are the passporting and equivalence implications for the UK insurance sector? BREXIT: 11pm (GMT) on 31 December 2020 (‘IP completion day’) marked the end of the Brexit transition/implementation period entered into following the UK’s withdrawal from the EU. Following IP completion day, key transitional arrangements come to an end and significant changes begin to take effect across the UK’s legal regime. This document contains guidance on subjects impacted by these changes. Before continuing your research, see: Brexit and financial services: materials on the post-Brexit UK/EU regulatory regime. This Q&A considers the impact of Brexit on passporting in the insurance sector, what options are available to insurers to continue to access the European Economic Areas (EEA) and the factors for insurers to take into account in their contingency planning. This Q&A is produced in partnership with Clare Swirski at Clifford Chance. What are the main aspects of passporting under Solvency II? The activity of providing insurance on a cross-border basis within the EEA is described as 'passporting' and, under Solvency II,...

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EIOPA's July 2025 Insurance Risk Dashboard shows stable sector with areas of concern

The European Insurance and Occupational Pensions Authority (EIOPA) has published its July 2025 Insurance Risk Dashboard, based on Q1 2025 Solvency II data and Q2 2025 market data from 96 insurance groups and 2116 solo insurance undertakings. The report indicates stable medium-level risks across the European insurance sector, with strong capitalisation and improved non-life underwriting results. However, EIOPA flags concerns in market risks due to fixed income volatility, while cyber and ESG risks show an upward trend. The assessment highlights ongoing challenges from geopolitical tensions and trade uncertainties.

EU Law weekly highlights—31 July 2025

This week's edition of EU Law weekly highlights includes analyses on the Court of Justice’s ruling in CeramTev v Coorstek that held that the absolute grounds for invalidity under Regulation (EC) 207/2009 are autonomous but not mutually exclusive, the Unified Patent Court’s first injunction covering UK in Kodak case, the EU-US trade deal on 15% baseline tariff, the Commission’s guidelines for the protection of minors online under the EU Digital Services Act (EU DSA) and the Commission’s guidelines on the scope of obligations for general-purpose AI models. In addition this week, the European Parliament's Committee on Economic and Monetary Affairs adopted an opinion proposing significant amendments to EU corporate sustainability reporting requirements, the Agency for the Cooperation of Energy Regulators approved a new methodology for assessing national electricity flexibility needs, further, the Commission published a recommendation on voluntary sustainability reporting for SMEs, launched a call for evidence for an integrated framework for climate resilience and risk management across the EU, published guidelines for green bond disclosure templates, initiated the...

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GLOSSARY

European Insurance and Occupational Pensions Authority (EIOPA) definition

What does European Insurance and Occupational Pensions Authority (EIOPA) mean?

View the related checklists about European Insurance and Occupational Pensions Authority (EIOPA)

EU EMIR—timeline

Payment Accounts Directive and Payment Accounts Regulations 2015–timeline [Archived]

View the related practice notes about European Insurance and Occupational Pensions Authority (EIOPA)

EU Solvency II—third-country equivalence

Appealing against a European Supervisory Authority decision—one minute guide [Archived]

View the related q&as about European Insurance and Occupational Pensions Authority (EIOPA)

What is a new product and what classes as a significant change to an existing product in relation to the new Insurance Distribution Directive?

Brexit—what are the passporting and equivalence implications for the UK insurance sector?

View the related News about European Insurance and Occupational Pensions Authority (EIOPA)

EIOPA's July 2025 Insurance Risk Dashboard shows stable sector with areas of concern

EU Law weekly highlights—31 July 2025

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GLOSSARY

European Insurance and Occupational Pensions Authority (EIOPA) definition

What does European Insurance and Occupational Pensions Authority (EIOPA) mean?

View the related checklists about European Insurance and Occupational Pensions Authority (EIOPA)

EU EMIR—timeline

Payment Accounts Directive and Payment Accounts Regulations 2015–timeline [Archived]

View the related practice notes about European Insurance and Occupational Pensions Authority (EIOPA)

EU Solvency II—third-country equivalence

Appealing against a European Supervisory Authority decision—one minute guide [Archived]

View the related q&as about European Insurance and Occupational Pensions Authority (EIOPA)

What is a new product and what classes as a significant change to an existing product in relation to the new Insurance Distribution Directive?

Brexit—what are the passporting and equivalence implications for the UK insurance sector?

View the related News about European Insurance and Occupational Pensions Authority (EIOPA)

EIOPA's July 2025 Insurance Risk Dashboard shows stable sector with areas of concern

EU Law weekly highlights—31 July 2025

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LEGAL SOLUTIONS

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