EBA sets 2027 regulatory agenda for banking package, digital finance and payments

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EBA 2027 regulatory agenda

Highlights

EBA's 2027 Work Programme prioritises completing the 2024 banking package, preparing a new payment services framework, and advancing crisis management reforms.
The agenda emphasises implementation of Digital Operational Resilience Act, Markets in Crypto-Assets Regulation, and integrated sector-wide reporting and data sharing.
EBA signals growing compliance demands for banks and payment firms, with supervision shifting toward harmonised practices and shared data systems in line with EU competitiveness strategy.

2027 priorities across banking and digital rules

As reported by the European Banking Authority, the 2027 Work Programme is built around three core drivers, improving efficiency, fostering resilience and supporting transformation. Those themes frame the authority's planned deliverables across its supervisory, regulatory and policy work for the year.

The agenda includes completing implementation of the 2024 banking package, preparing for a new payment services framework and supporting reforms in crisis management and deposit insurance. The EBA is also continuing efforts to strengthen supervisory convergence and stress testing, while advancing integrated reporting and data sharing across the sector.

The programme further keeps focus on major EU rulebooks shaping financial services operations, including the Digital Operational Resilience Act, the Markets in Crypto-Assets Regulation and the European Market Infrastructure Regulation. The authority says the plan is designed to maintain continuity in core tasks while preserving flexibility for changes in the risk environment and any new mandates from the EU legislative agenda.

Implications for EU banking competitiveness

The work plan is closely aligned with the European Commission's banking competitiveness agenda, linking supervisory priorities with broader efforts to make the EU framework more proportionate and efficient. That approach is aimed at improving consistency in oversight while supporting the development of trusted digital finance across the bloc.

For banks, payment firms and other regulated entities, the programme signals that compliance demands are continuing to expand across prudential rules, operational resilience and digital asset oversight. At the same time, the EBA is indicating that future supervision is moving further toward shared data systems, harmonised practices and service-oriented support for supervisory and resolution authorities.

Our earlier coverage of the euro zone inflation jump highlighted how higher energy costs were pushing price growth further above the ECB’s target across major economies. We noted that markets were increasingly pricing in additional ECB rate hikes, with policymakers and economists warning that energy-driven pressures could keep inflation elevated into early 2027.

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