Regulatory Matters
CECA carries out constant monitoring of the regulatory framework affecting its affiliated credit institutions, with the aim of providing them with updated information and effectively representing their interests before regulatory and supervisory authorities.
CECA covers all areas of banking regulation so that the affiliated entities can anticipate regulatory changes with the greatest impact on their business model.
To this end, it conducts a identification of regulatory projects, both at the national and international levels, prepares sectoral positions, actively participates in public consultation processes, and provides rigorous and continuous monitoring of the processing of the files with the greatest impact for its entities until their publication.
For the defense of the interests of the affiliated entities on European matters, CECA relies on the European Association of Savings Banks and Retail Banks (ESBG).
News Highlighted Regulatory Matters
Supervision and solvency
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Resolution
Directive (EU) 2026/806 of the European Parliament and of the Council of 30 March 2026 amending Directive 2014/59/EU (BRRD). It introduces a greater degree of regulatory precision in the public interest assessment, expands and sets conditions for the use of deposit guarantee schemes (DGS) in resolution financing, strengthens the legal certainty of the bail‑in instrument, and clarifies the regime applicable to public support measures.
Directive (EU) 2026/804 of the European Parliament and of the Council of 30 March 2026 amending Directive 2014/49/EU (DGSD). It lays down rules and procedures for the establishment and functioning of deposit guarantee schemes, the coverage and repayment of deposits, and the safeguards for the use of DGS funds in cases other than deposit payouts, in order to ensure depositors’ access to their deposits.
Regulation (EU) 2026/808 of the European Parliament and of the Council of 30 March 2026 amending Regulation (EU) No 806/2014. It transposes into the framework of the Single Resolution Mechanism the substantive reforms introduced by Directive (EU) 2026/806.
Retail
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Digital
Various
The Annual Regulatory Plan of the General State Administration for 2026 sets out the legislative and regulatory initiatives expected to be submitted to the Council of Ministers for approval during the year. In total, it includes 179 regulatory proposals, comprising 10 organic laws, 38 ordinary laws and 131 royal decrees. Of these, 61 initiatives are aimed at transposing EU Directives and 5 are linked to the Recovery, Transformation and Resilience Plan.
Due to their impact (or potential impact) on the financial sector, particular note is made of the regulation of aspects related to CRD VI, CCD, DMSFD, DORA, markets, PEPP, AI, cybersecurity, the financial sandbox, the digital identity wallet, VAT and crypto-asset service providers.
The Ministry for Digital Transformation and the Civil Service launched a public consultation on the Draft Order amending the Order on telephone scams, extending the trial period for carrying out the bulk upload process of aliases currently in use until September 2026.