[ REGULATOR · EUROPEAN UNION ]
EBA compliance, monitored daily.
The European Banking Authority (EBA) is the EU regulator that writes binding technical standards and guidelines for banks, payment institutions, electronic-money institutions and cryptoasset service providers under MiCA. Its rulebook applies across all 27 EU member states.
[ AUTHORITY ]
European Banking Authority at a glance.
- Full name
- European Banking Authority
- Abbreviation
- EBA
- Jurisdiction
- European Union
- Established
- 2011
- Official website
- https://www.eba.europa.eu
[ WHAT XHS™ MONITORS ]
Full EBA surface area, in one workspace.
- •EBA Regulatory and Implementing Technical Standards (RTS/ITS) at draft, final and adopted stages
- •EBA Guidelines, Recommendations and Opinions
- •MiCA Level 2 and Level 3 deliverables — CASP, asset-referenced tokens, e-money tokens
- •DORA Level 2 deliverables jointly with ESMA and EIOPA
- •Q&A tool answers on the Single Rulebook
- •Stress-test methodologies and results
[ KEY OBLIGATIONS ]
What EBA licensees must do.
- 01Comply with EBA Regulatory Technical Standards (RTS) and Implementing Technical Standards (ITS) incorporated into national law
- 02Follow EBA Guidelines in line with the "comply or explain" framework adopted by your national competent authority
- 03Meet the PSD2 strong customer authentication (SCA), open banking and incident-reporting RTS
- 04Apply the EBA ICT and security risk management Guidelines (aligned with DORA)
- 05Follow MiCA Level 2 technical standards for CASP authorisation, market abuse and whitepaper approval
- 06Report capital, liquidity and large-exposure data via EBA's supervisory reporting framework
[ TRY IT ]
Track EBA change-detection alongside your other authorities.
14-day trial. Pick up to 8 jurisdictions including EBA. No credit card required.
[ LICENCES & PERMITS ]
EBA licence categories.
- •The EBA does not itself issue licences; member-state competent authorities authorise firms under EBA standards
- •Banks authorised under CRD/CRR
- •Payment institutions under PSD2 (soon PSD3 + PSR)
- •Electronic-money institutions under EMD2
- •Crypto-asset service providers under MiCA (from 30 December 2024)
[ CURRENT FOCUS ]
What EBA is emphasising right now.
MiCA Level 2 and Level 3 output, DORA technical standards on ICT risk management and third-party oversight, PSD3/PSR preparation, AI-enabled banking supervision, and the integrated reporting framework simplifying bank supervisory reporting.
[ QUESTIONS ]
EBA compliance, answered.
How does XHS™ Copilot help with EBA compliance?
XHS™ Copilot tracks every EBA consultation, draft and final RTS/ITS, Guidelines, Opinions and Q&A. Lens™ AI maps each change to the underlying Level 1 framework (CRD/CRR, PSD2, EMD2, MiCA, DORA) so your team sees exactly which obligations are moving.
Does the EBA issue licences to banks?
No. Authorisation is the responsibility of the member-state competent authority (or the ECB for significant institutions). The EBA writes the binding technical standards and common guidelines that all such authorisations must follow, giving effect to the EU Single Rulebook.
What is the EBA's role under MiCA?
Under the Markets in Crypto-Assets Regulation, the EBA supervises issuers of significant asset-referenced tokens and e-money tokens, and develops the Level 2 and Level 3 standards for CASP authorisation, prudential requirements, own-funds and market-abuse frameworks.
Where is the EBA based?
The EBA is headquartered in Paris, France. It relocated from London in 2019 following Brexit. It is one of the three European Supervisory Authorities alongside ESMA and EIOPA.
What is the Single Rulebook?
The Single Rulebook is the body of harmonised prudential rules that applies across the EU financial sector. It consists of the Level 1 directives and regulations (CRD, CRR, PSD2, EMD2, MiCA, DORA), plus EBA-drafted Level 2 technical standards and Level 3 guidelines.
[ RELATED ]
Other authorities tracked.
See EBA change-detection in your workspace.
14-day free trial. Up to 8 jurisdictions. Cancel any time. No credit card.