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This paper analyzes the shift in European digital regulation from a science-based model to one rooted in constitutional values. While traditional risk management relied on the precautionary principle and quantifiable data, modern frameworks like the GDPR, DSA, and AI Act focus on safeguarding fundamental rights and democracy. The authors argue that this transformation addresses the intangible nature of digital harms and the significant imbalance of power between public regulators and private tech firms. By delegating risk assessment to private entities, the EU utilizes accountability and proportionality as tools to govern technological uncertainty. Ultimately, the text illustrates how legal and ethical standards have replaced empirical science as the primary metrics for regulating the digital ecosystem.

This position paper emphasizes the insurance industry's role as a strategic asset for the continent's economic stability and long-term growth. The organization argues that over-regulation and complex, overlapping legal frameworks currently hinder the sector's ability to invest in European priorities like green technology and infrastructure. To address this, they propose a simplification package and a “Financial Services Omnibus” aimed at reducing administrative burdens and stopping unnecessary new rules. By streamlining requirements for reporting and capital, the industry believes it can better support household savings and enhance the global competitiveness of the Single Market. Ultimately, this paper serves as a formal call for EU leaders to prioritize regulatory efficiency to ensure that insurance providers can continue to anchor Europe’s financial resilience.

This discussion paper explores strategies for creating a more integrated data collection system for the insurance and pension sectors. The document seeks stakeholder feedback on reducing regulatory reporting inefficiencies, such as redundant data requirements and inconsistent definitions across various EU frameworks. While the insurance sector already benefits from a highly harmonized system under Solvency II, the paper notes that occupational pension (IORPs) reporting remains fragmented and varies significantly by country. Key priorities include streamlining the reporting of derivatives and collective investment undertakings by potentially leveraging existing data sources like EMIR. Ultimately, the initiative aims to lower compliance costs for firms and modernize the digital infrastructure used for supervisory data sharing.

This position paper outlines Insurance Europe’s feedback on the European Commission’s Digital Omnibus initiative, which seeks to streamline the complex regulatory environment for the insurance sector. The organization advocates for reducing administrative burdens by harmonizing rules across artificial intelligence, data protection, and cybersecurity. Key recommendations include delaying specific AI Act obligations to ensure technical readiness and clarifying GDPR definitions to foster innovation in automated decision-making. Additionally, the sources highlight the importance of a Single-Entry Point for reporting cyber incidents and the potential benefits of a European Business Wallet for secure digital authentication. Ultimately, the federation seeks a more coherent legislative framework that balances robust consumer protection with the operational flexibility needed for insurers to remain competitive.

This report examines the escalating systemic risks within the European and global financial landscapes between late 2025 and early 2026. Cyber and hybrid threats are identified as a primary concern, exacerbated by the sector's heavy reliance on a small number of critical ICT third-party providers like AWS. Market volatility is further fueled by stretched equity valuations in the technology and AI sectors, alongside structural vulnerabilities exposed by a major crypto-asset flash crash in October 2025. Additionally, the reports highlight macroeconomic uncertainties such as rising public debt, shifting trade policies, and the lack of transparency in the rapidly expanding private credit market. To counter these instabilities, authorities are focusing on regulatory frameworks like the Digital Operational Resilience Act (DORA) to strengthen oversight and mitigate potential contagion. Efforts to improve operational resilience remain central to protecting investors and maintaining orderly markets amidst these diverse financial and technological pressures.

This final report from the European Banking Authority (EBA) introduces new Implementing Technical Standards (ITS) for the supervisory reporting of Third Country Branches (TCBs) operating within the European Union. Established under the CRD VI regulatory package, these standards create a harmonized framework to replace fragmented national rules and ensure effective oversight of foreign banking entities. The reporting requirements are structured around a proportionality principle, distinguishing between Class 1 and Class 2 branches to tailor the volume and frequency of data collection based on an entity's size and risk. Under the new mandate, branches must submit standardized templates covering their own financial and regulatory health, as well as critical information regarding their head undertakings and wider group activities. To ease the transition, the EBA has simplified several data requirements and set the initial reporting deadline for March 31, 2027. This initiative ultimately aims to strengthen financial stability and create a level playing field across the EU banking sector.

Le webinaire réunissant plus de 850 participants portait sur les points d’attention pour la prochaine campagne du questionnaire annuel QLB, les exercices de reporting préparatoires à l’AMLA (collecte C6P 2026 et simulation RAM, impliquant plus de 600 établissements français), ainsi que les projets de normes techniques de niveau 2 du Paquet AML6 soumis à consultation publique par l’AMLA (connaissance de la clientèle, définitions des relations d’affaires et sanctions). Le replay est disponible en ligne.

Insurance Europe, representing the European (re)insurance sector, published a statement on 27 February 2026 calling for a "stop-the-clock" on the implementation of the Insurance Recovery and Resolution Directive (IRRD), scheduled to apply from 30 January 2027. The organization expresses concerns over remaining uncertainties in the proposal's scope, definition of critical functions, and funding responsibilities, with only about one year left for preparation. It argues that the current framework risks being overly detailed and burdensome, exceeding international standards and potentially harming EU insurers' global competitiveness. Insurance Europe proposes ten measures to make the IRRD proportionate, clear, and workable, including postponing the timeline, phasing in requirements, scaling back reporting templates, adopting a risk-based approach, and conducting a full impact assessment.

This consultative document outlines a new initiative to organize its extensive library of regulatory guidance and industry practices. By transitioning from individual PDF documents to a consolidated modular framework, the Committee aims to improve the accessibility and long-term maintenance of these materials. This reorganization involves streamlining existing content by removing outdated or repetitive information, resulting in a substantial reduction of total guidance volume. The draft chapters cover diverse topics, ranging from risk management and operational resilience to the prevention of financial service abuse. While the structure is being modernized for a user-friendly online experience, the Committee emphasizes that these changes do not alter current policies or introduce new mandates. Stakeholders are invited to provide feedback on the clarity of the framework and the relevance of the included materials before the project is finalized in late 2026.

This is a consultation on revising joint guidelines for assessing the suitability of management body members and key function holders at EU banks and investment firms. Open until 25 May 2026, it is part of a broader “Suitability Package” that includes draft Regulatory Technical Standards on documentation requirements. The revisions aim to harmonize suitability assessments across the EU, reflect new Capital Requirements Directive requirements, clarify controls for third-country branches, link assessments with anti-money-laundering frameworks, and introduce simplification measures.
A public hearing is scheduled for 15 April 2026.