EBA tightens rules, APRA resets, BoT revises: Learn what regulators are prioritizing
Wolters Kluwer - Financial Services Solutions
When You Have To Be Right
Europe
18 Aug 2025: The European Banking Authority (EBA) published its final draft Regulatory Technical Standards (RTS) on off-balance sheet items. The RTS defines how institutions should allocate these items and sets out conversion factors, particularly where unconditional commitments could be cancelled. The standards aim to ensure greater consistency and prudence in the measurement of off-balance sheet exposures.
13 Aug 2025: The Single Resolution Board (SRB) opened a consultation on its updated operational guidance for separability and transferability. The guidance aligns with the SRB’s work on resolution testing and resolvability self-assessments and introduces a framework for transfer playbooks. It aims to improve effectiveness without adding new deliverables. The consultation runs until 22 October 2025, with industry and stakeholder engagement planned in September.
12 Aug 2025: The European Banking Authority (EBA) released a Report on technology in anti-money laundering and countering the financing of terrorism (AML/CFT) supervision. The Report reviews how EU competent authorities are deploying supervisory technology (SupTech) and how these tools can support the effective roll-out of the new EU AML/CFT framework. It highlights innovation trends and the potential for increased efficiency and effectiveness in supervisory practices.
11 Aug 2025: The EBA’s Q1 2025 Risk Dashboard confirms that the EU/EEA banking sector remains robust despite higher costs of risk. The aggregated data from the largest credit institutions show stable capital and liquidity positions. Profitability indicators are holding up, though risk provisioning pressures remain.
08 Aug 2025: Following the European Commission ’s Delegated Act to delay implementation of the revised market risk framework (FRTB), the EBA reaffirmed that it’s no action letter of August 2024 remains valid. The Authority confirmed that its earlier considerations on FRTB implementation issues also continue to apply for the extended postponement period.
8 Aug 2025: The European Banking Authority (EBA) issued final draft amendments to the Implementing Technical Standards (ITS) for the 2026 benchmarking of credit and market risk. The main change restricts data collection for market risk to information on the alternative standardized approach (ASA), applicable only to banks with internal model approval. Credit risk changes are limited to minor adjustments.
7 Aug 2025: The European Banking Authority (EBA) launched a consultation on updated Guidelines on internal governance under the Capital Requirements Directive (CRD). The revisions reflect legislative changes, including those introduced by the Digital Operational Resilience Act (DORA). The consultation is open until 7 November 2025 and focuses on targeted amendments.
United Kingdom
8 Aug 2025: The Financial Conduct Authority (FCA) and Bank of England launched a consultation on draft Q&As for UK EMIR trade repository reporting. The Q&As are designed to clarify requirements, promote consistent reporting, and strengthen systemic risk oversight. They follow the updated rules introduced in September 2024 and reflect input from the UK EMIR Reporting Engagement Group. Final Q&As are expected in October 2025.
07 Aug 2025: The Financial Conduct Authority (FCA) published Policy Statement PS25/12 setting out a new Supplementary Safeguarding Regime effective from 7 May 2026. Key measures include daily reconciliations (excluding weekends and holidays), monthly safeguarding returns, and annual audits, with exemptions for smaller firms. Firms must also maintain resolution packs to enable swift action in case of failure.
APAC
21 Aug 2025: The Australian Prudential Regulation Authority (APRA) has released its 2025–26 Corporate Plan, setting out its strategic objectives across the next four years and its focused activities for the next 12–18 months. Anchored on four key pillars: financial and operational resilience, response to emerging risks, getting the regulatory balance right, and enhancing organizational effectiveness, the plan spotlights specific priorities such as strengthening cyber resilience (particularly amid geopolitical and AI-related risks), assessing compliance with the new operational risk standard CPS 230, updating governance standards, publishing results of its inaugural System Stress Test, intensifying oversight of superannuation fund governance and platform providers, and sharing findings from its Climate Vulnerability Assessment for general insurers.
20 Aug 2025: The Reserve Bank of India (RBI) has issued a draft circular on ‘Counterparty Credit Risk: Add-on factors for computation of Potential Future Exposure – Revised Instructions’, updating rules under the Current Exposure Method (CEM) for capital adequacy. The draft clarifies that banks acting as clearing members for equity and commodity derivatives on SEBI-recognized exchanges must maintain capital charges against counterparty credit risk, and it aligns add-on factors for interest rate, exchange rate, and gold contracts more closely with Basel Committee standards, replacing norms last revised in 2008. RBI has invited comments from banks, market participants, and other stakeholders by September 10, 2025, through its ‘Connect 2 Regulate’ portal or via written/email feedback to the Department of Regulation.
15 Aug 2025: Hong Kong Monetary Authority (HKMA) Legislative Council’s negative vetting period expired without extension, confirming that new banking rules for crypto assets will take effect on 1 January 2026. The measures include the Banking Capital Amendment Rules 2025, the Banking Disclosure Amendment Rules 2025, and the Banking Exposure Limits Amendment Rules 2025. These amendments establish updated capital, disclosure, and exposure requirements for crypto asset activities.
7 Aug 2025: Following recommendations from the Council of Financial Regulators, Australian Prudential Regulation Authority (APRA) will introduce a more proportional framework for small and medium-sized banks. Measures include a three-tier regulatory model, simplification of internal ratings-based accreditation, and clearer guidance on minimum capital requirements under Pillar 2. APRA also plans to review licensing processes, reporting requirements, and the treatment of covered bonds under LCR. The changes are intended to support competition and efficiency while easing operational pressures on smaller institutions.
Bank of Thailand lays out some additional changes for RDT Credit enhanced reporting
1 Aug 2025: Based on the industry feedback, Bank of Thailand (BoT) has compiled additional information needs necessary for auditing and compliance with criteria to address risks to the stability of the financial system. Adjustments include expanding the scope of data reporting for Lending Business Type (ISIC), increasing information on the real estate market and car leasing market, adding information for analysis and measure determination (DSR), and providing detailed information about vehicle types 1. 2 new data entity tables have been added and 2 columns to repayment tables have also been added, making it a bigger change for the Banks to work with. Changes are effective July 2027 (tentative), except for the repayment amount, which is effective October 2025 (tentative). This change is still not available in the public domain.
AMERICAS
United States
15 Aug 2025: The Office of the Comptroller of the Currency (OCC) today released its annual update to the Bank Accounting Advisory Series (BAAS). The BAAS contains staff responses to frequently asked questions from the banking industry and bank examiners on a variety of accounting topics and promotes consistent application of accounting standards and regulatory reporting among national banks and federal savings associations. This edition of the BAAS revises certain content for general clarity and removes questions that are no longer relevant. The updates do not alter the prior conclusions or interpretations of the OCC Office of the Chief Accountant. The BAAS do not represent rules or regulations of the OCC. Rather, it contains the OCC Office of the Chief Accountant’s interpretations of generally accepted accounting principles and regulatory guidance based on the facts and circumstances presented.
Canada
18 Aug 2025: The Office of the Superintendent of Financial Institutions (OSFI) posted an industry letter outlining its revisions to streamline the regulatory framework. From a policy and guidance perspective, OSFI is:
From a supervisory perspective, OSFI is:
Additional details will be shared in the Fall Semi-Annual Risk Outlook which is expected to be released on October 9, 2025.
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2moGood post.