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Payment services enable digital payments through direct debits, credit transfers or payments with cards or similar devices. Within the EU, these are regulated through the revised Payment Services Directive (PSD2), which sets rules for payment services, their providers and consumer protection. Announced in September 2021 under the digital finance strategy and the retail payments strategy, the Commission published two proposals on the revision of PSD2 on 28 June 2023 as part of the financial data access ...

Brexit poses unique challenges for policymakers in the EU as the most important financial centre in Europe is now outside its regulatory framework. We expect significant divergence over the medium- to long-term, given recent legislative and regulatory initiatives in the UK, but also developments of the regulatory framework in the EU. However, there seem to be limited concerns of an easing of the tax evasion and Anti-Money Laundering framework in the UK. We expect a limited use of the EU equivalence ...

The present impact assessment (IA) accompanies the proposal amending the 2011 Consumer Rights Directive and repealing the 2002 Distance Marketing of Consumer Financial Services Directive. It is informed by the findings of the Commission's ex-post evaluation of the directive and the evaluation support study, which preceded the IA, in line with the Better Regulation Guidelines' 'evaluate first' principle. The IA's strong points include a well-substantiated problem definition and an evidence base that ...

Das einheitliche Regelwerk, das alle EU Rechtsvorschriften betreffend Finanzinstitute umfasst, beinhaltet kaum Regelungen zu operativen Risiken im Zusammenhang mit Informations- und Kommunikationstechnologien (IKT). Im September 2020 hat die Kommission einen Vorschlag für eine Verordnung über die Betriebsstabilität digitaler Systeme des Finanzsektors (DORA) vorgelegt, um zentrale digitale operative Anforderungen in der gesamten EU einzuführen beziehungsweise ebendiese zu harmonisieren, um den IKT-Betrieb ...

Die Kommission hat am 24. September 2020 einen Vorschlag für eine Richtlinie zur Änderung einer Reihe bestehender Richtlinien zur Regulierung und Beaufsichtigung des Finanzsystems im Hinblick auf die Bewältigung von Risiken im Zusammenhang mit Informations- und Kommunikationstechnologien (IKT) vorgelegt. Der Vorschlag ist Teil des Pakets zur Digitalisierung des Finanzsektors, dessen übergeordnetes Ziel darin besteht, Innovation und Wettbewerb im digitalen Finanzwesen zu fördern und gleichzeitig die ...

Insurance companies are important investors in EU capital markets. Most of their investments are in debt instruments, while equity investments can contribute to higher returns for policyholders and overall EU economic growth. This study analyses the treatment of equity investments by insurance companies in (proposed) EU legislation; it is considered that this legislation will have limited impact on equity investments. To enhance equity investment significantly drivers other than prudential ones would ...

Das Europäische Parlament soll über eine Trilogvereinbarung über den Vorschlag für eine Pilotregelung für Marktinfrastrukturen abstimmen, mit der ein System für den Handel und die Abwicklung von Transaktionen mit Finanzinstrumenten in Form von Kryptowerten eingeführt werden soll. Die Regelung folgt dem sogenannten Sandkasten-Ansatz, der vorübergehende Ausnahmen von einigen spezifischen Anforderungen ermöglicht. Auf diese Weise sollte die Entwicklung von Lösungen für den Handel und die Abwicklung ...

This briefing has been prepared to support ECON’s work on scrutiny of the Delegated Regulation amending the RTS laid down in Commission Delegated Regulation (EU) 2017/653 on Key Information Documents (KIDs) as foreseen by Regulation (EU) No 1286/2014 on Packaged Retail and Insurance-based Investment Products (PRIIPs Regulation) . The Delegated Regulation was adopted by the Commission on 7 September 2021 together with two quick fix amendments of the PRIIPs Regulation and the Directive 2009/65/EC on ...

We discuss the main structural changes triggered by Covid19 in banking. Direct consequences include: the impact of the lockdown on remote shopping and telework, lower cash usage and a further shift towards innovative payment methods, the downturn suffered by the economy and bank borrowers. Indirect consequences (partly reinforcing pre-existing trends) include: the further development of payment services provided by non-bank competitors, an acceleration in bank digitalisation, a rise in cyber-attacks ...

This paper studies the transformation that Artificial Intelligence (AI) is bringing to the financial sector and how this sector can contribute to developments of AI applications. The study addresses the contribution of AI to a more efficient, open, and inclusive financial sector and the challenges of the AI transformation, and it provides recommendations for policies and regulations of AI and financial services.