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In 2019 the non-performing loan (NPL) ratio of the EU banking sector declined to 3%. At the same time, both EU legislators and the European Central Bank (ECB)...

In its judgement dated 22.03.2011 (reference number: XI ZR 33/10), the BGH for the first time delivered an opinion on interest rate swap agreements, which had attracted much attention by the public.

European financial regulation has grown substantially in complexity over the past two decades. Multiple institutions operate at global, European and national levels, each with a distinct mandate, legal basis and range of instruments.

On 17 June 2025, the European Commission (the "Commission") published its proposed measures to revive the securitisation framework in the European Union ("EU"), with a view to making it simpler and more fit for purpose.

The German economy has experienced minimal growth for a number of years. Insolvencies have reached record levels, and the number of businesses outside of formal insolvency proceedings, but in need of restructuring, is significant.

With effect of March 18, 2016 the legislator has now implemented into law the new administrative practice of the German Federal Financial Supervisory Authority.

Our monthly regulatory newsletter monitors all relevant developments regarding European regulatory law in English language.

BaFin has published a draft of the 9th amendment to Germany's Minimum Requirements for Risk Management (MaRisk), introducing a fundamental revision aimed at reducing regulatory complexity for financial institutions. The proposed changes establish a new three-tier classification system for institutions based on size, implement proportional risk assessment requirements, and integrate European Banking Authority guidelines on environmental scenario analysis and internal governance.

On 17 April 2023, the European Central Bank (ECB), acting in its role as the head of the Single Supervisory Mechanism (SSM) at the heart of the Banking Union, published the results of an external assessment...

On 16 October 2025, the Joint Committee (JC) of the European Supervisory Authorities (ESAs)—comprising the European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA)...

The European Banking Authority (EBA) published its 2024 Annual Report in May 2025 (the Report), providing a comprehensive overview of its regulatory, supervisory and policy activities throughout 2024.

Following recent bank failures that occurred outside of the EU, the European Parliament's Economic and Monetary Affairs Committee (ECON) on 21 March 2023 held a public hearing...

QuickTake: What next for Minimum Requirement for Own Funds and Eligible Liabilities (MREL)?

The finance ministry has published its draft bill to transpose various EU amendments and ECJ cases into national law whilst taking the opportunity to make a number of editorial changes.

Every year, usually during the fourth quarter, EU-level authorities such as the European Banking Authority (EBA) publish their Annual Work Programmes (AWPs)...

Our monthly regulatory newsletter monitors all relevant developments regarding German and European regulatory law in English language.

On March 14, 2019, the European Banking Authority (EBA) published1 its Annual Report on the Convergence of Supervisory Practices in the EU (the Convergence Report).

The European Union's General Court has ruled that informal supervisory communications from the European Central Bank can constitute legally challengeable acts, even when transmitted via email...