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RegGateway
The All-in-One solution for regulatory monitoring & compliance
FEATURES
HORIZON SCANNING/REGULATORY MONITORING
Identify new regulatory developments easily and tailored to the specific type of regulated firm, so that only relevant changes appear.
FINANCIAL REGULATORY LAW SOURCEBOOK
A categorised collection of all laws in the field of financial regulatory law for Europe and Germany (constantly being expanded), which can be compiled as an obligation register and commented on as desired.
IMPLEMENTATION MANAGEMENT
Effective implementation (including tailored impact analysis and gap analysis) of new legislation and agile control using our project management tool (including KPIs).
CHANGE ANALYSIS AND PREVIEW OF RULES
Read the future versions of a law early, including the official explanatory memorandum, and identify any legislative changes.
1. Bank regulation
1.1 PRUDENTIAL REGULATION
a) General
(i) EU
Status: Consultation
Deadline for the submission of comments: 03/02/2026
The EBA) launched a consultation on draft Guidelines on the authorisation of third-country branches (TCBs) under Article 48c(8) CRD VI. The Guidelines set out: (i) the list of information to be included in the application, concerning matters such as the business plan, capital endowment, liquidity, internal governance, booking arrangement and reporting requirements and information about head undertaking(s), in particular their compliance with prudential requirements and a reasoned, third party legal opinion on the absence of impediments in the third country's framework precluding the ability of the TCB to comply with the EU and prudential legislation and regulation; (ii) the procedure for authorisation, as well as standard forms and templates for the provision of the information required; (iii) the conditions for granting authorisation; and (iv) the conditions under which competent authorities may rely on information that has already been provided in the process of any prior authorisation third country branch authorisation.
The Guidelines apply to national competent authorities and TCBs subject to the requirements set out in Title VI of the CRD. For TCBs treated under national law as credit institutions, the Guidelines apply only to the extent that the requirements in CRD VI specific to TCBs (such as booking requirements for originated business) do not apply to credit institutions.
A public hearing is scheduled for 10 December. Following consultation and approval, the Guidelines will be translated into the official EU languages and published on the EBA website, with competent authorities required to report on whether they comply or intend to comply within two months. They will apply from 11 January 2027, in line with the commencement date of the harmonised authorisation requirements for TCBs introduced by CRD VI.
Date of publication: 03/11/2025
(ii) International
BCBS: Report on further information related to its 2025 assessment of G-SIBs
Status: Final
The BCBS published a report on further information related to its 2025 assessment of global systemically important banks (G-SIBs), with additional details to improve understanding of the scoring methodology. It sets out that further details include global denominators and individual bank indicators. The release accompanies the FSB's updated G-SIB list.
Date of publication: 27/11/2025
BCBS: Summary of meeting discussion and forward-looking priorities
Status: Final
BCBS published a summary of its latest meeting in which members discussed a range of initiatives. The committee reaffirmed its commitment to full and consistent implementation of Basel III standards and approved final principles for managing third-party risk in banking, which will be released next month. It also agreed to expedite a targeted review of its prudential standard for banks' cryptoasset exposures in response to market developments. Other priorities include examining synthetic risk transfers (SRTs), consulting on machine-readable Pillar 3 disclosures (expected in December) and consolidating Guidelines into a more user-friendly format. The committee also approved assessment reports on the UK implementation of the net stable funding ratio and large exposures framework, which are expected next month, and committed to pursue further analytical work into financial risks arising from extreme weather events.
Date of publication. 19/11/2025
b) Solvency/Own funds issues
(i) EU
Status: Published in the OJ
Date of entry into force: 11/12/2025
Date of application: 11/12/2025
The Commission Implementing Regulation (EU) 2025/2338 was published in the OJ. The amendments update the ITS under Commission Implementing Regulation (EU) 2016/100, which govern the joint decision process for competent authorities when granting permission to use internal models for credit risk, counterparty credit risk and market risk for prudential purposes for certain entities in banking groups, as required by Article 20(8) CRR.
The amending regulation introduces three key changes: (i) the removal of the advanced measurement approach for operational risk, reflecting amendments to the CRR by CRR III (Regulation (EU) 2024/1623); (ii) the alignment with new RTS and ITS on the functioning of supervisory colleges that were published in August (Commission Delegated Regulation (EU) 2025/791 and Implementing Regulation (EU) 2025/790); and (iii) Commission Delegated Regulation (EU) 2025/1496, which sets out that the current requirements on the calculation of own funds requirements for market risk will apply until 1 January 2027.
Date of publication: 21/11/2025
EC: Call for evidence on application of market risk prudential framework
Status: Call for evidence
Deadline for the submission of comments: 16/12/2025
The EC published a call for evidence on a proposed delegated act to amend market risk rules under the Fundamental Review of the Trading Book (FRTB) in Basel III. This follows the November consultation where responses are due by 6 January 2026. Although most Basel III requirements have applied since January, the EC postponed FRTB implementation on several occasions and most recently to 1 January 2027 due to delays and uncertainty regarding FRTB implementation in other major jurisdictions. As a result, the EC is evaluating whether to use the empowerment granted under Article 461a of the Capital Requirements Regulation to adopt a delegated act to mitigate potential negative impacts arising from an unlevel playing field in the international implementation of the FRTB. It would also aim to incorporate those targeted changes already proposed by other jurisdictions that the EC believes can improve the EU framework (e.g., removing excessive rigidity and preventing excessive operational burden on banks). The deadline for feedback is 18 December.
Date of publication: 18/11/2025
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