Regulation of crowdfunding platforms

This subtopic provides guidance on the regulation of crowdfunding in Ireland and the EU regulation of crowdfunding platforms.

This subtopic contains the following guidance:

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Practice Note: Ireland—Regulation of crowdfunding in Ireland discusses the regulation of crowdfunding in Ireland under Regulation (EU) 2020/1503 (the ECSP Regulation) and European Union (Crowdfunding)

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Latest Ireland - Banking & Financial Services News

CRR3—EBA consults on amended disclosure requirements for ESG risks, equity exposures, and aggregate exposure to shadow banking entities

The European Banking Authority (EBA) has launched a consultation on proposed amended disclosure requirements as part of the updated Pillar 3 framework under Regulation (EU) 2024/1623 of the European Parliament and of the Council amending Regulation (EU) No 575/2013 (CRR3). The consultation addresses environmental, social, and governance (ESG) risks, equity exposures, and aggregate exposure to shadow banking entities. Responses to the consultation are sought by 22 August 2025, and a public hearing is scheduled for 26 June 2025, with registration closing on 24 June 2025.

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.

Economic and Monetary Affairs Committee approves amendment to the CSDR—shortening the settlement cycle for transferable securities

The European Parliament’s Economic and Monetary Affairs Committee has approved an amendment to the Central Securities Depository Regulation (Regulation (EU) 909/2014) (CSDR) that shortens the settlement cycle for securities transactions on trading venues from two business days (T+2) to one business day (T+1). The Committee, which recorded 48 votes in favour and 4 abstentions, noted that the change would reduce risks and improve liquidity, while bringing EU practices into line with global standards. The amendment also allows for same-day settlements (T+0) when possible and exempts certain complex transactions from the T+1 rule. Furthermore, the European Securities and Markets Authority has been tasked with monitoring the transition and assessing the potential for future further shortening of the settlement cycle. These changes are set to take effect from 11 October 2027, subject to final negotiations with the Council.

EBA announces that EU DGS funds to protect depositors against bank failures have reached €79bn

The European Banking Authority (EBA) has published end-2024 data related to two key concepts and indicators in the Deposit Guarantee Schemes Directive (DGSD), namely financial means available to, and covered deposits protected by, national deposit guarantee schemes (DGSs). The EBA publishes this data for each Member State, and on a yearly basis to enhance the transparency and public accountability of DGSs across the EU to the benefit of depositors, markets, policymakers, DGSs and Members States.

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