EBAohjeistukset

EBAohjeistukset refers to guidelines and recommendations issued by the European Banking Authority (EBA). The EBA is an independent EU authority that works to ensure effective and consistent prudential regulation and supervision of the European banking sector. Its objectives include maintaining financial stability in the EU and protecting depositors, investors, and consumers.

The EBA publishes a wide range of guidelines, which can cover topics such as capital requirements, risk management, supervisory practices, consumer protection, and the implementation of EU financial legislation. These guidelines are addressed to competent authorities in Member States, but they also have significant implications for financial institutions operating within the EU.

These instructions aim to harmonize supervisory approaches across the EU, ensuring a level playing field and preventing regulatory arbitrage. While not always legally binding in the same way as regulations or directives, competent authorities are generally expected to comply with EBA guidelines, and deviations must be justified. Financial institutions often refer to these guidelines to understand regulatory expectations and to adapt their internal policies and procedures accordingly. The EBA's work in this area is crucial for the ongoing development and integration of the European financial market.