The European Banking Authority (EBA) has published a report on eligibility and use of credit insurance, in response to the European Commission’ request under the Capital Requirements Regulation (CRR3). The report calls for an alignment of EU rules with the present Basel framework, and concludes that the analysis of the theoretical framework applicable to credit insurers, as well as the empirical data available, are not sufficient to warrant a deviation for credit insurers from the international agreements.

The European Banking Authority (EBA) has published a report on the application of gender-neutral remuneration policies by institutions and investment firms. The report is based on the information collected from institutions, investment firms and competent authorities. It shows that the industry faces no major hurdles in adopting and implementing gender-neutral remuneration policies, but that some entities have not yet adopted such policies or are not monitoring them over time.

The European Banking Authority (EBA) has published its report on supervisory responses to money laundering and terrorist financing (ML/TF) risks in the cryptoasset sector across the EU. Drawing on recent cases, the report identifies how certain cryptoasset service providers have attempted to circumvent regulatory oversight through unauthorised operations, forum shopping, and opaque governance structures. It outlines the safeguards introduced under the Markets in Cryptoassets Regulation (Regulation (EU) 2023/1114) (MiCA) and the revised AML/CFT framework, including harmonised authorisation procedures, enhanced transparency requirements, and strengthened supervisory powers.

The European Banking Authority (EBA) has published a report under Article 21c(6) of the Capital Requirements Directive 2013/36/EU (CRD), assessing whether third-country undertakings should be permitted to provide core banking services directly to EU financial sector entities (FSEs) without establishing a branch in the EU. The report, developed in consultation with the European Securities and Markets Authority (ESMA) and the European Insurance and Occupational Pensions Authority (EIOPA), draws on quantitative supervisory data and qualitative input from stakeholders. It concludes that there is currently no clear basis for extending this possibility beyond EU credit institutions. The EBA notes challenges in forming a comprehensive view of the impact of the prohibition, citing limited data, the absence of a harmonised definition of core banking services, and uncertainty around the application of existing exemptions. Article 21c CRD includes carve-outs for interbank and intragroup transactions, reverse solicitation, and MiFID-related services, and allows for contract grandfathering to support transition.

The European Banking Authority (EBA) has published a report analysing approaches to the tokenisation of deposits by credit institutions and their potential benefits and challenges. The report aims to facilitate awareness of tokenised deposits and promote convergence in their classification.

The European Banking Authority (EBA) has published a report on the issuance of virtual International Bank Account Numbers (vIBANs). In the absence of a common definition, the report observes that the industry issues vIBANs in different ways and for different purposes, and national authorities diverge in interpreting and applying regulatory requirements. The report also identifies resulting issues in terms of money laundering and terrorist financing (ML/TF), consumer and depositor protection, authorisation and passporting, and regulatory arbitrage, and provides recommendations on how to address them.

The European Banking Authority (EBA) has published a report on white labelling, a business model where financial institutions provide products and services under another financial or non-financial firm’s brand. The EBA found that 35% of banks responding to its 2025 Spring Risk Assessment Questionnaire use white labelling models. The report identifies potential consumer protection risks including lack of transparency about roles and responsibilities, fraud risks, and complaints handling difficulties. The EBA has integrated white labelling into competent authorities' supervisory priorities for 2026 and will take supervisory convergence actions including raising supervisory awareness and ensuring more effective consumer disclosures. While no amendments to EU law were identified as necessary, the EBA noted challenges around anti-money laundering compliance and regulatory qualification of arrangements between providers and partners.

The European Banking Authority (EBA) has published the results of a fact-finding exercise on the creditworthiness assessment (CWA) practices of non-bank lenders (NBLs). The EBA found that, while some NBLs might service segments of the population that may have limited opportunities to access traditional banks for credit, a significant number of the surveyed NBLs appear to apply inadequate practices for information gathering and verification during their CWAs.

The European Banking Authority (EBA) has published the findings from its fourth and final round of reviews of competent authorities’ approaches to tackling money laundering and terrorist financing (ML/TF) risks in the banking sector. The EBA has now assessed all competent authorities (CAs) that are responsible for the AML/CFT supervision in 30 EU/EEA member states. It will conduct a final review in 2025 of all the actions taken by CAs to take stock of the current state of AML/CFT supervision of banks, and publish a final report as part of its handover to the new EU anti-money laundering authority, AMLA.

The European Banking Authority (EBA) has published a revised list of validation rules for its implementing technical standards (ITS) on supervisory reporting, highlighting those which have been deactivated either for incorrectness or for triggering IT problems. Competent authorities throughout the EU are informed that data submitted in accordance with these ITS should not be formally validated against the set of deactivated rules.

The European Banking Authority (EBA) has published a statement confirming that its no-action letter issued on 12 August 2024 remains valid following the European Commission’s adoption of a second Delegated Act postponing the application of the Fundamental Review of the Trading Book (FRTB) market risk framework in the EU to 1 January 2027. In support of this position, the EBA reaffirmed that its previously published technical considerations also remain applicable during the extended postponement period. The letter advises competent authorities not to prioritise supervisory or enforcement action regarding the boundary between the trading and non-trading book until the full FRTB framework is implemented for capital purposes.

The European Banking Authority (EBA) has published a technical package for version 3.5 of its reporting framework. The amendments to Fundamental Review of the Trading Book (FRTB) reporting will be applicable only from the date of application of the FRTB models, following the Commission announcement on 18 June 2024 of its intention to postpone the application of the FRTB by a year (to 1 January 2026).