Enforcement of loans, security and guarantees

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This subtopic provides precedents on a letter of demand which can be used by a lender when making demand for repayment from a borrower in Ireland and a letter of demand which ...

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Latest Ireland - Banking & Financial Services News

EBA publishes no-action letter on ESG disclosure enforcement and updates ESG risk dashboard

The European Banking Authority (EBA) has published a no-action letter concerning the application of environmental, social and governance (ESG) Pillar 3 disclosure requirements under its Implementing Technical Standards (ITS). The letter, formalised through an accompanying Opinion (EBA/Op/2025/11), aims to address legal and operational uncertainties linked to the evolving ESG disclosure framework, in light of proposed amendments under the European Commission’s Omnibus legislative package on sustainability reporting. These proposed amendments affect several legislative instruments, including Directive 2014/95/EU (Non-Financial Reporting Directive), Directive (EU) 2022/2464 (Corporate Sustainability Reporting Directive), Directive (EU) 2024/1760 (Corporate Sustainability Due Diligence Directive), and Regulation (EU) 2020/852 (Taxonomy Regulation). The EBA also published an updated ESG risk dashboard based on December 2024 data, which indicates that the ESG risk landscape across EU/EEA banks remains stable, reflecting the long-term horizon of climate-related risks and the gradual pace of change in banking portfolios.

Asset Management & Investment Funds—EU & International Developments-July 2025

Ireland—Banking & Financial Service analysis: This article, was written by A&L Goodbody’s Asset Management and Investment Funds Team. UCITS Eligible Assets, sustainability-related claims, sustainability risks and disclosures, UCITS Q&As, NBFI, sustainability reporting, taxonomy and financial services reporting, outsourcing, ESG, ESMA newsletter, AML/CFT.

EIOPA publishes Opinion on application of insurance legislation to AI systems

The European Insurance and Occupational Pensions Authority (EIOPA) has published an Opinion addressed to national supervisors clarifying how existing insurance-sector legislation applies to the use of artificial intelligence (AI) systems. The Opinion applies to AI systems not classified as prohibited or high-risk under Regulation (EU) 2024/1689 (Artificial Intelligence Act) and aims to promote consistent supervisory practices across the EU. It provides guidance on interpreting provisions under Directive 2009/138/EC (Solvency II Directive), Directive (EU) 2016/97 (Insurance Distribution Directive), Regulation (EU) 2022/2554 (Digital Operational Resilience Act), Commission Delegated Regulation (EU) 2015/35 and Commission Delegated Regulation (EU) 2017/2358.

EBA publishes final RTS on legal mechanism for unfinished property exposures

The European Banking Authority (EBA) has published its final regulatory technical standards (RTS/2025/05) under Article 124(14) of Regulation (EU) 575/2013 (Capital Requirements Regulation) (CRR), as amended by Regulation (EU) 2024/1624 (CRR3). The RTS specify what constitutes an ‘equivalent legal mechanism’ to ensure that properties under construction are completed within a reasonable timeframe. The standards form part of the EBA’s roadmap for implementing the EU Banking Package and aim to harmonise the prudential treatment of residential real estate exposures under construction across the EU. They set out enforceability conditions, minimum creditworthiness requirements, and guarantee terms, allowing recognition of national completion guarantee schemes subject to a 20% risk weight cap.

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