The European Commission is currently working on the capital markets union: a landmark project to unlock funding for Europe’s businesses and boost growth in EU countries by creating a true single market for capital.
The Commission is also monitoring the effectiveness of the reforms introduced in the wake of the financial crisis and is working on making retail financial services work better for consumers and small investors.

EU Legislative Activity

All EU Legislation in force and under discussion. Know the Members of  the European Parliament, their Staff and all working documents. Follow the meetings of the committees and of the EP Plenary. In streaming or the recording. All EU Council decisions as well.

Financial Services: Regulatory Process & Expert Groups

The EU has a specific regulatory process for financial services, with
Expert groups, comitology and other committees.

Financial Supervision & Risk Management

EU has its supervisory system, consisting of three European supervisory authorities and a board to monitor systemic risks.. For risk management concerning banks and financial institutions, EU has prepared specific provisions and regulations.

Banking Union

EU pursued a number of initiatives to create a safer financial sector for the european single market. These initiatives form a single rulebook for all financial actors in the 27 EU countries. There is a Single Supervisory Mechanism, a Single Resolution Mechanism, a European Deposit Insurance Scheme and Sovereign Bond-backed Securities (SBBS).

Financial Markets

EU is working in order to make safe the EU financial markets: Securities markets, Investment Funds, Post-trade Services, Corporate Bonds and rules on Capital Movements. The EU Commission regularly monitors the functioning of financial markets in the EU

Consumer Finance and Payments

EU policies aim to protect consumers and create a single market in retail financial services. It created the Single payments market and regulates Payment Services.

Insurance & Pensions

Everything on EU Risk management and supervision of insurance companies (Solvency 2)​, Insurance distribution, Motor insurance, Winding-up of insurance undertakings, Insurance guarantee schemes, Insurance of natural and man-made disasters, Occupational pension funds, Personal pension products, Insurance & pensions authorities and organisations

Sustainable Finance

EU wants sustainability as integral part of its financial policy in order to support the European Green Deal with private investments. And encouraging EU Green Bond investments. EU offers a guide for companies on impact of business on climate change and on all possible environmentally sustainable investments.

Digital Finance

New financial technologies can facilitate access to financial services and improve the efficiency of the financial system. In September 2020, the European Commission adopted a Digital Finance Package, including a digital finance strategy and legislative proposals on crypto-assets and digital resilience, for a competitive EU financial sector. In March 2018 the European Commission adopted an action plan on FinTech to foster a more competitive and innovative European financial sector and with EIB is studying possible solution for digital euro.

Application and Infringements of Banking and Finance Laws

The application of EU directives is essential for the optimal functioning of the European banking and financial system. This is why monitoring the application of EU rules is a crucial step.

International Relations

EU has a financial system integrated with the rest of world. The EU works with its international partners to develop consistent policies on the regulation of financial markets and capital movements. EU is active in international forums and holds bilateral relations with third countries, in particular with USA, Japan, China, Canada, India, Russia and Brazil. In some case, EU must intervene with sanctions. EU is protecting EU operators, reinforcing European strategic autonomy.

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