What Changed
- Structuring supervisory focus around three drivers: improving efficiency, fostering resilience, and supporting transformation.
- Targeting implementation of the 2024 banking package, new payment services rules, deposit insurance reforms, and regulatory activities under DORA, MiCA, and EMIR.
- Adopting the programme on 29 September 2026 under Article 43 of the EBA Founding Regulation, incorporating recommendations on proportionality and regulatory simplification.
The European Banking Authority (EBA) has published its Work Programme for 2027, outlining its strategic priorities, key focus areas, and deliverables for the coming year. The publication marks an initial step towards a broader medium-term strategy designed to position the EBA as a next-generation regulator, advance supervisory capabilities, and deliver enhanced services to the supervisory and resolution community.
The 2027 Work Programme is structured around three primary drivers: improving efficiency, fostering resilience, and supporting transformation. These core principles underpin all EBA activities and establish the operational framework for its key deliverables. Under this programme, the EBA will focus on completing the implementation of the 2024 banking package, preparing for the new payment services framework, and supporting reforms in crisis management and deposit insurance. Additionally, the EBA intends to strengthen supervisory convergence and stress testing, advance integrated reporting and data sharing, and continue regulatory work under the Digital Operational Resilience Act (DORA), the Markets in Crypto-Assets Regulation (MiCA), and the European Market Infrastructure Regulation (EMIR).
Aligned closely with the European Commission's banking competitiveness agenda, the Work Programme aims to promote a more proportionate and efficient regulatory framework, improve supervisory consistency, and reinforce trust in digital finance. The EBA emphasizes regulatory simplification, focusing on reducing unnecessary reporting and compliance burdens while enhancing overall framework effectiveness. Stakeholders can monitor implementation progress using a dedicated dashboard hosted on the EBA website.
The EBA Board of Supervisors officially adopted the 2027 Work Programme on 29 September 2026, pursuant to Article 43 of the EBA Founding Regulation, following a proposal by the EBA Management Board. The programme was informed by recommendations from the EBA's Advisory Committee on Proportionality and input from the European Commission. The executive summary will be made available in all official EU languages.
This update affects banks, payment service providers, crypto-asset service providers, and supervisory and resolution authorities operating within or engaging with the European Union supervisory framework.
Who May Be Affected
Banks, payment service providers, crypto-asset service providers, financial institutions, and supervisory and resolution authorities within the EU or interacting with EU financial markets.
Cross-Border Context
Establishes regulatory expectations and implementation timetables for international financial institutions operating within the EU or adhering to EU digital operational resilience and crypto-asset standards.
What to check next
- Check the EBA website dedicated dashboard for implementation progress updates.
- Review the executive summary of the 2027 Work Programme upon release in official EU languages.
This article provides general information and does not constitute legal advice. Consult the official text and obtain advice appropriate to your circumstances where needed.