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Commission services consult on cross-border mergers and divisions

08.09.2014: The purpose of this consultation is to collect information which would allow the Commission to assess if the existing rules for cross-border operations of companies need to be changed.

› Payment services

Single Euro Payments Area (SEPA) becomes fully operational as from 1 August 2014

31.07.2014: The Single Euro Payments Area (SEPA) creates a true European Single Market for retail payments in euro where transfers, direct debits and payments between Member States are as easy and fast as the equivalent domestic transactions. It becomes fully operational in all eurozone countries on 1 August 2014.

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Banking Union

For the euro area and other countries that want to join we have created a Banking Union, with a single supervisor and a common fund, paid for by banks.

Financial Reform

The European Commission is taking action in many areas to create a more transparent and stable financial system and ensure it can play an effective part in our strategy to restore growth in Europe.

Single Market Act

Our proposals to make the single market work better for growth, competitiveness and social progress.