News & Analysis as of August 14, 2025

Prudential Regulation Authority (PRA)

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The European Union is an economic and political partnership comprised of 27 nations within the Eurozone. The EU was established in 1948 to promote stability and cooperation among member states in the aftermath of WWII. The EU maintains a common currency as well as several intranational institutions, including the European Parliament and the European Commission. less -

ECB publishes revised guide to internal models

A&O Shearman on 8/11/2025

The European Central Bank (ECB) has published a revised version of its guide to internal models, reflecting updates under the Capital Requirements Regulation (CRR3) and the revised Basel framework. The update enhances...more

ECB finalises revisions to guide on options and discretions under EU banking law

A&O Shearman on 8/11/2025

The European Central Bank (ECB) has published an updated guide outlining its supervisory stance on the exercise of options and discretions provided for under the Capital Requirements Regulation (CRR) and the Capital...more

EBA publishes report on direct provision of banking services from third countries under CRD VI

A&O Shearman on 8/8/2025

The European Banking Authority (EBA) has published its report under Article 21c(6) of the Capital Requirements Directive VI on whether to amend the provisions governing the direct provision of core banking services from third...more

EC consults on the treatment of equity exposures under legislative programmes

A&O Shearman on 8/7/2025

The European Commission has published a targeted consultation, accompanied by a press release, on a draft communication regarding the prudential treatment of equity investments by banks under legislative programmes in Article...more

EBA consults on draft RTS and guidelines for third country branches under CRD IV

A&O Shearman on 7/23/2025

The European Banking Authority (EBA) has published three consultation papers under Directive 2013/36 (CRD IV), as amended by Directive 2024/169 (CRD VI), relating to the regulatory requirements for third country branches...more

EBA consults on amending RTS on own funds and eligible liabilities under CRR

A&O Shearman on 7/23/2025

The European Banking Authority (EBA) has published a consultation paper proposing amendments to Commission Delegated Regulation (EU) No 241/2014 on the timing for the application for prior permission to reduce own funds and...more

EBA consults on draft guidelines for third-party risk management for non-ICT related services

A&O Shearman on 7/21/2025

The European Banking Authority (EBA) has published a consultation paper on its draft guidelines for managing third-party risk with regards to non-ICT related services. The guidelines will revise and update its prior 2019...more

EBA consults on draft guidelines on ancillary service undertakings under the CRR

A&O Shearman on 7/18/2025

The European Banking Authority (EBA) has published a consultation paper on its draft guidelines on ancillary services undertakings (ASUs) specifying the criteria for the identification of activities referred to in Article...more

Draft Markets in Financial Instruments (Miscellaneous Amendments) Regulations 2025 published

A&O Shearman on 7/17/2025

The draft Markets in Financial Instruments (Miscellaneous Amendments) Regulations 2025 has been laid before the UK Parliament under the Financial Services and Markets Act 2023 (FSMA 2023), together with a draft explanatory...more

ESAs and AMLA sign MoU to strengthen EU AML supervision

A&O Shearman on 7/16/2025

The European Supervisory Authorities (the European Banking Authority, European Insurance and Occupational Pensions Authority and European Securities Markets Authority—the ESAs) have announced the signing of a multilateral...more

EBA consults on draft guidelines on application of definition of default and applying credit conversion factors under CRR

A&O Shearman on 7/15/2025

The European Banking Authority (EBA) has published two consultation papers under the Capital Requirements Regulation (CRR), as amended by the revised Capital Requirements Regulation (CRR III). The first consultation paper...more

SRB publishes updated guidance on solvent wind-down of trading books

A&O Shearman on 7/15/2025

The Single Resolution Board (SRB) has published updated operational guidance, accompanied by a press release, on the solvent wind-down (SWD) of trading books. The guidance is intended to outline the scope and key expectations...more

EBA final guidelines on ADC exposures to residential property under CRR

A&O Shearman on 7/14/2025

The European Banking Authority (EBA) has issued its final guidelines, accompanied by a press release, on the treatment of acquisition, development and construction (ADC) exposures to residential property under Article 126a of...more

EC adopts Delegated Regulation on RTS for identification of main risk driver of a position under CRR

A&O Shearman on 7/14/2025

The European Commission (EC) has adopted a Delegated Regulation supplementing the Capital Requirements Regulation (CRR) with regard to regulatory technical standards (RTS) specifying methods for identifying the main risk...more

ESAs launch joint consultation on draft guidelines for ESG stress testing

A&O Shearman on 7/10/2025

The European Supervisory Authorities (the European Banking Authority, European Insurance and Occupational Pensions Authority and the European Securities and Markets Authority) have launched a joint consultation on their joint...more

EBA publishes spring 2025 risk assessment report

A&O Shearman on 7/10/2025

The European Banking Authority (EBA) has published its spring 2025 risk assessment report alongside a press release, outlining key developments and emerging risks within the European Union/European Economic Area (EU/EEA). The...more

Regulation Round Up - June 2025

Proskauer Rose LLP on 7/10/2025

Welcome to the Regulation Round Up, a regular bulletin highlighting the latest developments in UK and EU financial services regulation....more

The Capital Ratio Podcast | Entering the US Banking Market

Skadden, Arps, Slate, Meagher & Flom LLP on 7/7/2025

When crafting an entry into the U.S. markets, U.K. and European financial institutions need to carefully plan an appropriate strategy. Sebastian Barling, host of “The Capital Ratio” is joined by financial institutions...more

EBA issues opinion on Norway's measure of risk weight floor increase

A&O Shearman on 6/3/2025

The European Banking Authority (EBA) has issued an opinion (dated 12 May) in response to a notification from the Norwegian Ministry of Finance, regarding its intention to recalibrate the risk weight floor for Norwegian retail...more

EBA consults on draft ITS on Pillar 3 disclosure frameworks

A&O Shearman on 5/30/2025

The European Banking Authority (EBA) has published a consultation paper (CP) proposing amendments to Commission Implementing Regulation (EU) 2024/3172 on the EBA Pillar 3 disclosure framework, aligning it with the...more

EBA onboarding plan for new Pillar 3 data hub

A&O Shearman on 5/30/2025

The European Banking Authority (EBA) has published an onboarding plan, together with a press release, for large and other institutions to access and submit information to the new Pillar 3 Data Hub (P3DH)—a centralised...more

EC call for advice to EBA for second benchmarking of national loan enforcements frameworks

A&O Shearman on 5/29/2025

The European Commission (EC) has published a call for advice to the European Banking Authority (EBA) together with a letter from John Berrigan, Directorate-General of Financial Stability, Financial Services and Capital...more

EC adopts delegated regulation amending RTS for market risk under CRR

A&O Shearman on 5/16/2025

The European Commission has adopted Delegated Regulation (EU) 2025/878 amending regulatory technical standards (RTS) on technical details of back-testing and profit and loss attribution requirements, the criteria for...more

Delegated regulation amending RTS on supervisory delta of call and commodity risk options published in the OJ

A&O Shearman on 5/14/2025

Commission Delegated Regulation (EU) 2025/855 amending regulatory technical standards (RTS) laid down in Delegated Regulation (EU) 2021/931 as regards the specification of the formula for calculating the supervisory delta of...more

EBA releases ESG dashboard with key indicators on climate risk in the EU/EEA banking sector

A&O Shearman on 5/12/2025

The European Banking Authority (EBA) has released an ESG dashboard, accompanied by a press release, establishing a comprehensive framework to improve the monitoring of climate-related risks within the EU/EEA banking sector...more

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