The EBA/CP/2025/21 consultation paper provides significant impetus for the further development of the banking supervisory framework and defines clear expectations for institutions of all sizes. It aims to achieve greater proportionality, more streamlined procedures and closer integration of key elements of the SREP. At the same time, an effective, cause-orientated assessment is moving more into focus. This requires financial institutions to take action. This article provides an initial orientation on the key content and the regulatory thrust.
The government draft bill for the implementation of the Consumer Credit Directive (EU) 2023/2225 has been available since 3 September 2025. The scope of the previous general consumer loan law is being expanded to include, among other things, the regulation of „buy now, pay later“ schemes.