Regulatory and supervisory services safeguarding the EU system
A structured overview of the EBA Authority’s expertise: common rules, international cooperation and citizen protection.
Introduction
The European Banking Authority is the independent EU body that keeps the banking and financial sector fair, transparent and competitive while reinforcing overall stability.
By combining regulation, supervision and international cooperation, the EBA protects investors and strengthens public trust in European financial institutions.
EU regulation and the Single Rulebook
The EBA builds the Single Rulebook, the shared set of standards that governs banks and intermediaries across the Union, delivering uniform levels of prudence, transparency and resilience.
Binding technical standards
Drafts RTS and ITS that national authorities must transpose and apply consistently.
Impact assessments
Runs economic evaluations to ensure every new rule is effective and proportionate.
European collaboration
Works with the European Commission and national supervisors to keep the regulatory framework up to date.
Implementation support
Provides practical guidance and clarifications to help local authorities and institutions apply new requirements consistently.
Supervisory coordination and convergence
The EBA aligns national supervisory authorities so that rules are enforced consistently, avoiding divergences that could distort competition.
Monitoring practices
Reviews local supervisory models to promote transparency and consistency.
Targeted peer reviews
Assesses the effectiveness of national controls and shares recommendations.
Direct interventions
May step in whenever EU legislation is ignored or misinterpreted.
Institutional advice
Provides technical input to Parliament, Council and Commission on emerging policy topics.
Risk analysis and EU-wide stress tests
Through dedicated studies and recurring assessments, the EBA monitors the resilience of the banking system, anticipating vulnerabilities and potential crises.
EU stress tests
Evaluates how banks would withstand adverse macroeconomic scenarios.
Data intelligence
Collects and analyses banking data to identify emerging systemic risks.
Regular reports
Publishes annual studies on market performance, digital risks and geopolitical drivers.
Early warning
Develops early warning indicators to detect structural vulnerabilities before they escalate into systemic risk.
Consumer protection and market integrity
Protecting users is a core mission: the EBA ensures financial products and services remain clear, safe and transparent.
Transparency requirements
Sets guidelines for contracts and disclosures that are comprehensive and easy to understand.
Supervising business practices
Prevents fraud, conflicts of interest and misconduct across the market.
Financial education
Promotes initiatives that make financial information accessible to citizens.
Cooperation with authorities
Supports national supervisors when disciplinary measures are required.
Financial innovation, fintech and crypto-assets
With MiCA and DORA, the EBA leads the integration of financial technologies while guaranteeing security, resilience and traceability.
Stablecoin and digital asset oversight
Regulates EMT and ART issuers, ensuring robust governance and adequate capital.
Crypto service supervision
Monitors CASP operators, from custodians to trading platforms, under harmonised standards.
Cyber resilience
Defines security requirements for digital financial infrastructures and services.
Sustainable finance
Coordinates EU projects on green finance and the responsible use of technology.
Sanctions and crisis management
The EBA can act directly when irregularities arise, protecting the system and safeguarding users through timely interventions.
Corrective measures and sanctions
May impose monetary or disciplinary sanctions and revoke licences.
Binding decisions
Issues mandatory decisions for non-compliant national authorities.
Support to EU institutions
Offers technical guidance to the European Commission in crisis situations.
Restoring confidence
Coordinates corrective measures to re-establish stability and user protection after misconduct or crisis events.
Vigilanza • Stabilità • Trasparenza