Banking and financial services

Policies

Capital markets union

Capital markets union
The capital markets union will create a more integrated capital market in the EU, and a more diversified financial system, unlocking capital in Europe.
Banking union

Banking union
The ECB is now the central prudential bank supervisor in the Eurozone. A newly introduced mechanism will ensure the orderly resolution of failing banks.
Financial supervision and risk management

Financial supervision and risk management
The rules for financial institutions in the EU establish supervisory mechanisms and prudential requirements for banks, improve protection for depositors and regulate bank failures.
Consumer finance and payments

Consumer finance and payments
The Commission wants to deepen the EU single market for retail financial services and payments and make it work better for consumers and investors.
Financial markets

Financial markets
Better governance of financial instruments, trade in securities and investment funds and legislation to make post-trade services safer and more efficient.
Insurance and pensions

Insurance and pensions
The EU has introduced new harmonised rules to prevent risks and facilitate the development of a single market for insurance and pensions.
Auditing of companies' financial statements

Auditing of companies' financial statements
EU rules in this area aim to strengthen the quality of statutory audit, restoring the confidence of investors in audited financial statements.