Fintech—Q&A guides

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This subtopic provides guidance on supranational and EU regulation of cryptoassets, financial innovations and fintech. The Lexology Getting the Deal Through (GTDT) guides provide up-to-date, trusted and reliable information on key topics of law and regulation in various jurisdictions, based on contributions from thousands of leading practitioners around the world.

This subtopic contains the following guidance:

  1. •

    Practice Note: EU regulation of cryptoassets focuses on the approach of EU authorities and regulators to the regulation of cryptoassets and considers the approach taken by supranational

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Latest Ireland - Banking & Financial Services News

EBA publishes guidance ahead of 2025 EU-wide stress test data publication

The European Banking Authority (EBA) has published three technical documents—metadata, a data dictionary, and a guide for data exploitation—to support the automated analysis of its 2025 EU-wide stress test results. The guidance materials were released ahead of the full stress test data publication scheduled for 1 August 2025 at 18:00 CET.

SMSG publishes advice in response to ESMA’s call for evidence on retail investor journey under MiFID II

The European Securities and Markets Authority (ESMA) has published advice from its Securities and Markets Stakeholder Group (SMSG) in response to ESMA’s call for evidence on the retail investor journey under the Markets in Financial Instruments II Delegated Directive 2014/65/EU (MiFID II), launched in May 2025. The advice identifies a range of non-regulatory barriers to retail investor participation in EU capital markets, including differences in pension systems, cultural preferences for real estate over financial assets, limited financial literacy and the complexity of tax regimes and disclosures. It also considers the influence of digital platforms, the appeal of speculative investments among younger investors and the role of trust in financial markets. The SMSG notes that while investor protection remains a key objective, certain regulatory and market features may unintentionally discourage participation. The advice is intended to support ESMA’s ongoing assessment of whether adjustments or clarifications are needed to enhance retail engagement.

Ireland—Department of Finance releases 2025 Finance Action Plan

The Department of Finance has published its annual Ireland for Finance Action Plan for 2025 on 29 July 2025. The publication continues the department's series of annual strategic finance sector plans, which have been released yearly since 2020. The 2025 plan represents the latest iteration in this ongoing policy framework for Ireland's financial services sector.

EBA announces 2025 EU stress test results to be published on 1 August 2025

The European Banking Authority (EBA) has announced that the results of the 2025 EU-wide stress test, including individual results for participating banks, will be published on 1 August 2025 at 18:00 CEST. The baseline scenario is based on projections from national central banks as of December 2024, while the adverse scenario reflects key financial stability risks identified by the European Systemic Risk Board (ESRB), the EBA and the European Central Bank (ECB) in late 2024. The stress test methodology incorporates the new EU banking package effective since 1 January 2025 and is intended as a risk assessment exercise rather than an evaluation of regulatory changes.

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