The EU Banking Framework comprises the comprehensive set of regulations and directives governing financial institutions within the European Union. This framework aims to ensure financial stability, consumer protection, and fair competition across member states. It includes rules on capital requirements, risk management, and governance for banks and other financial service providers. Adherence to this framework is mandatory for entities operating in the European financial sector.
Context
The EU Banking Framework is presently adapting to address the emergence of digital assets and blockchain technology. Discussions involve how existing banking regulations apply to crypto-asset service providers and the potential need for specific adjustments. The European Banking Authority (EBA) is actively contributing to these discussions, seeking to integrate digital finance innovations safely within the established regulatory structure while maintaining market integrity.
Firms must monitor the EBA's defense of prudential standards; the final MiCA reserve composition will determine systemic liquidity and capital requirements.
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