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id="ecl-menu-item-ecl-menu-522872486-1"><a href="/regulation-and-supervision_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__link" data-untranslated-label="Regulation, Supervision" data-ecl-menu-link id="ecl-menu-item-ecl-menu-522872486-1-link" >Regulation, Supervision</a><button class="ecl-button ecl-button--ghost ecl-menu__button-caret ecl-button--icon-only" type="button" data-ecl-menu-caret aria-label="Access item's children" aria-describedby="ecl-menu-item-ecl-menu-522872486-1-link" aria-expanded="false" ><span class="ecl-button__container"><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-button__icon" focusable="false" aria-hidden="true" data-ecl-icon><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#corner-arrow"></use></svg></span></button><div class="ecl-menu__mega" data-ecl-menu-mega ><ul class="ecl-menu__sublist"><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a 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ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Expert groups, comitology and other committees" >Expert groups, comitology and other committees</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="https://finance.ec.europa.eu/regulation-and-supervision/consultation_en" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Consultations" >Consultations</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/regulation-and-supervision/financial-services-legislation_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Financial services legislation" >Financial services legislation</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/regulation-and-supervision_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" 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auditing" >Company reporting and auditing</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/capital-markets-union-and-financial-markets_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#arrow-left"></use></svg></a></li></ul></div></li><li class="ecl-menu__item ecl-menu__item--has-children" data-ecl-menu-item data-ecl-has-children aria-haspopup aria-expanded="false" id="ecl-menu-item-ecl-menu-522872486-3"><a href="/banking_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__link" data-untranslated-label="Banking & insurance" data-ecl-menu-link id="ecl-menu-item-ecl-menu-522872486-3-link" >Banking & insurance</a><button class="ecl-button ecl-button--ghost ecl-menu__button-caret ecl-button--icon-only" type="button" data-ecl-menu-caret aria-label="Access item's children" aria-describedby="ecl-menu-item-ecl-menu-522872486-3-link" aria-expanded="false" ><span class="ecl-button__container"><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-button__icon" focusable="false" aria-hidden="true" data-ecl-icon><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#corner-arrow"></use></svg></span></button><div class="ecl-menu__mega" data-ecl-menu-mega ><ul class="ecl-menu__sublist"><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/banking/banking-union_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Banking union" >Banking union</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/banking/banking-regulation_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Banking regulation" >Banking regulation</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/banking/non-performing-loans-npls_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Non-performing loans (NPLs)" >Non-performing loans (NPLs)</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/banking/supplementary-supervision-financial-conglomerates_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Supplementary supervision of financial conglomerates" >Supplementary supervision of financial conglomerates</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/banking/insurance_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Insurance" >Insurance</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/banking/pension-funds_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Pension funds" >Pension funds</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/banking_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#arrow-left"></use></svg></a></li></ul></div></li><li class="ecl-menu__item ecl-menu__item--has-children" data-ecl-menu-item data-ecl-has-children aria-haspopup aria-expanded="false" id="ecl-menu-item-ecl-menu-522872486-4"><a href="/sustainable-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__link" data-untranslated-label="Sustainable finance" data-ecl-menu-link id="ecl-menu-item-ecl-menu-522872486-4-link" >Sustainable finance</a><button class="ecl-button ecl-button--ghost ecl-menu__button-caret ecl-button--icon-only" type="button" data-ecl-menu-caret aria-label="Access item's children" aria-describedby="ecl-menu-item-ecl-menu-522872486-4-link" aria-expanded="false" ><span class="ecl-button__container"><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-button__icon" focusable="false" aria-hidden="true" data-ecl-icon><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#corner-arrow"></use></svg></span></button><div class="ecl-menu__mega" data-ecl-menu-mega ><ul class="ecl-menu__sublist"><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/sustainable-finance/overview-sustainable-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Overview of sustainable finance" >Overview of sustainable finance</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/sustainable-finance/tools-and-standards_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Tools and standards" >Tools and standards</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/sustainable-finance/international-platform-sustainable-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="International Platform on Sustainable Finance" >International Platform on Sustainable Finance</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/sustainable-finance/disclosures_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Disclosures" >Disclosures</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/sustainable-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use 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href="/digital-finance/cyber-resilience_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Cyber resilience" >Cyber resilience</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/digital-finance/framework-financial-data-access_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Framework for financial data access" >Framework for financial data access</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/digital-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#arrow-left"></use></svg></a></li></ul></div></li><li class="ecl-menu__item ecl-menu__item--has-children" data-ecl-menu-item 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href="/consumer-finance-and-payments/retail-financial-services_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Retail financial services" >Retail financial services</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/consumer-finance-and-payments/payment-services_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Payment services" >Payment services</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/consumer-finance-and-payments/financial-literacy_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Financial literacy" >Financial literacy</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/consumer-finance-and-payments_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#arrow-left"></use></svg></a></li></ul></div></li><li class="ecl-menu__item ecl-menu__item--has-children" data-ecl-menu-item data-ecl-has-children aria-haspopup aria-expanded="false" id="ecl-menu-item-ecl-menu-522872486-7"><a href="/financial-crime_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__link" data-untranslated-label="Financial crime" data-ecl-menu-link id="ecl-menu-item-ecl-menu-522872486-7-link" >Financial crime</a><button class="ecl-button ecl-button--ghost ecl-menu__button-caret ecl-button--icon-only" type="button" data-ecl-menu-caret aria-label="Access item's children" aria-describedby="ecl-menu-item-ecl-menu-522872486-7-link" aria-expanded="false" ><span class="ecl-button__container"><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-button__icon" focusable="false" aria-hidden="true" data-ecl-icon><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#corner-arrow"></use></svg></span></button><div class="ecl-menu__mega" data-ecl-menu-mega ><ul class="ecl-menu__sublist"><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/financial-crime/anti-money-laundering-and-countering-financing-terrorism-overview_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="AML overview" >AML overview</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/financial-crime/anti-money-laundering-and-countering-financing-terrorism-eu-level_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="AML at EU level" >AML at EU level</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/financial-crime/anti-money-laundering-and-countering-financing-terrorism-international-level_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="AML at international level" >AML at international level</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="https://www.amla.europa.eu/index_en" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="AMLA" >AMLA</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/financial-crime_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#arrow-left"></use></svg></a></li></ul></div></li><li class="ecl-menu__item ecl-menu__item--has-children" data-ecl-menu-item data-ecl-has-children aria-haspopup aria-expanded="false" id="ecl-menu-item-ecl-menu-522872486-8"><a href="/eu-and-world_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__link" data-untranslated-label="EU & worldwide" data-ecl-menu-link id="ecl-menu-item-ecl-menu-522872486-8-link" >EU & worldwide</a><button class="ecl-button ecl-button--ghost ecl-menu__button-caret ecl-button--icon-only" type="button" data-ecl-menu-caret aria-label="Access item's children" aria-describedby="ecl-menu-item-ecl-menu-522872486-8-link" aria-expanded="false" ><span class="ecl-button__container"><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-button__icon" focusable="false" aria-hidden="true" data-ecl-icon><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#corner-arrow"></use></svg></span></button><div class="ecl-menu__mega" data-ecl-menu-mega ><ul class="ecl-menu__sublist"><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/eu-and-world/international-fora_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="International fora" >International fora</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/eu-and-world/bilateral-relations_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Bilateral relations" >Bilateral relations</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/eu-and-world/equivalence-non-eu-financial-frameworks_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Equivalence of non-EU financial frameworks" >Equivalence of non-EU financial frameworks</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/eu-and-world/international-cooperation-financial-regulation-and-capital-movements_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="International cooperation" >International cooperation</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/eu-and-world/sanctions-restrictive-measures_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Sanctions (restrictive measures)" >Sanctions (restrictive measures)</a></li><li class="ecl-menu__subitem" data-ecl-menu-subitem ><a href="/eu-and-world/open-strategic-autonomy_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-menu__sublink" data-untranslated-label="Open strategic autonomy" >Open strategic autonomy</a></li><li class="ecl-menu__subitem ecl-menu__see-all"><a href="/eu-and-world_en?prefLang=ro" class="ecl-link ecl-link--standalone ecl-link--icon ecl-menu__sublink" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#arrow-left"></use></svg></a></li></ul></div></li></ul></section></div></nav> </div> </header> <div class="featured-page-header" id="block-ewcms-theme-page-header"> <div class="ecl-page-header" ><div class="ecl-container"><div class="ecl-page-header__info--no-margin"><h1 class="ecl-page-header__title ecl-u-sr-only"><span>Finance</span></h1></div></div></div> </div> <main class="ecl-u-pb-xl" id="main-content" data-inpage-navigation-source-area="h2.ecl-u-type-heading-2, div.ecl-featured-item__heading"> <div class="ecl-container"> <div class="ecl-row"> <div class="ecl-col-s-12 ewcms-top-sidebar"> <div> <div data-drupal-messages-fallback class="hidden"></div> </div> </div> </div> <div class="ecl-row"> <div class="ecl-col-s-12"> <div id="block-ewcms-theme-main-page-content" data-inpage-navigation-source-area="h2, div.ecl-featured-item__heading" class="ecl-u-mb-l"> <article dir="ltr"> <div> <div class="ecl-u-mb-2xl"> <a id="paragraph_5206"></a> <div> <section class="ecl-banner ecl-banner--m ecl-banner--font-m ecl-banner--box-bg-light ecl-banner--color-dark ecl-banner--h-left ecl-banner--v-center ecl-banner--full-width" data-ecl-banner data-ecl-auto-init="Banner" ><figure class="ecl-banner__picture-container"><picture class="ecl-picture ecl-banner__picture" data-ecl-banner-image ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_small_4_1_banner/public/2024-02/valdis-dombrovskis-mairead-mcguinness-hero-banner-finance.jpg.webp?h=618034fb&itok=TD3E_LtI" media="(max-width: 480px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_medium_4_1_banner/public/2024-02/valdis-dombrovskis-mairead-mcguinness-hero-banner-finance.jpg.webp?h=618034fb&itok=GE5Hcih7" media="(max-width: 768px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_large_4_1_banner/public/2024-02/valdis-dombrovskis-mairead-mcguinness-hero-banner-finance.jpg.webp?h=618034fb&itok=6ogQ0URX" media="(max-width: 996px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_extra_large_4_1_banner/public/2024-02/valdis-dombrovskis-mairead-mcguinness-hero-banner-finance.jpg.webp?h=618034fb&itok=RXKfS3fn" media="(max-width: 1140px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_full_width_banner_4_1/public/2024-02/valdis-dombrovskis-mairead-mcguinness-hero-banner-finance.jpg.webp?h=618034fb&itok=Y0TWpLPr" media="(min-width: 1140px)" ><img class="ecl-banner__image" src="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_full_width_banner_4_1/public/2024-02/valdis-dombrovskis-mairead-mcguinness-hero-banner-finance.jpg.webp?h=618034fb&itok=Y0TWpLPr" alt="" ></picture></figure><div class="ecl-container ecl-banner__info"><div class="ecl-banner__container" data-ecl-banner-container ><div class="ecl-banner__content"><div class="ecl-banner__title"><span class="ecl-banner__title-text">Achievements & milestones 2019-2024</span></div><p class="ecl-banner__description"><span class="ecl-banner__description-text">Under EVP Dombrovskis’ & Commissioner McGuinness’ steer</span></p><div class="ecl-banner__cta"><a href="/policy-making-achievements-milestones-2019-2024_en?prefLang=ro" class="ecl-link ecl-link--cta ecl-link--icon ecl-banner__link-cta" data-original-title-description="Achievements & milestones 2019-2024" ><span class="ecl-link__label">Discover the achievements</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-90 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#corner-arrow"></use></svg></a></div></div></div></div></section> </div> </div> <div class="ecl-u-mb-2xl"> <a id="paragraph_3013"></a> <div class="ecl-content-item-block"><div class="ecl-row"><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/regulation-and-supervision_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Regulation and supervision</a></div><div class="ecl-content-block__description"><div class="ecl"><p>The EU has introduced a specific regulatory process for financial services. The EU’s supervisory architecture consists of 3 European supervisory authorities and a board to monitor systemic risks.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/capital-markets-union-and-financial-markets_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Capital markets union and financial markets</a></div><div class="ecl-content-block__description"><div class="ecl"><p>The capital markets union is the EU’s plan to unlock funding for Europe’s growth.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/banking_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Banking and banking union</a></div><div class="ecl-content-block__description"><div class="ecl"><p>The banking union ensures that EU banks are stronger and better supervised, so that they can support the wider economy.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/banking_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Insurance and pension funds</a></div><div class="ecl-content-block__description"><div class="ecl"><p>The EU provides a framework for authorities to manage insurance failures effectively.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/sustainable-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Sustainable finance</a></div><div class="ecl-content-block__description"><div class="ecl"><p>The EU is examining how to make sustainability considerations an integral part of its financial policy in order to support the European green deal.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/digital-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Digital finance</a></div><div class="ecl-content-block__description"><div class="ecl"><p>New financial technologies can facilitate access to financial services and improve the efficiency of the financial system.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 last-item-column"><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/consumer-finance-and-payments_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Consumer finance and payments</a></div><div class="ecl-content-block__description"><div class="ecl"><p>Financial services have a major impact on consumers' lives. Consumers should be able to make well-informed decisions on financial matters and feel confident that they are well protected if something goes wrong.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 last-item-column"><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/financial-crime_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Financial crime</a></div><div class="ecl-content-block__description"><div class="ecl"><p>The EU has laws in place to combat money laundering and the financing of terrorism.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-4 last-item-column last-item"><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/eu-and-world_en?prefLang=ro" class="ecl-link ecl-link--standalone" >EU and the world</a></div><div class="ecl-content-block__description"><div class="ecl"><p>The EU works with its international partners to develop consistent policies on the regulation of financial markets and capital movements.</p></div></div></div></article></div></div></div> </div> <div class="ecl-u-mb-2xl"> <a id="paragraph_4648"></a> <div> <section class="ecl-banner ecl-banner--m ecl-banner--font-m ecl-banner--box-bg-dark ecl-banner--color-light ecl-banner--h-left ecl-banner--v-center" data-ecl-banner data-ecl-auto-init="Banner" ><figure class="ecl-banner__picture-container"><picture class="ecl-picture ecl-banner__picture" data-ecl-banner-image ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_small_4_1_banner/public/2024-04/template-banner-finance-news-hub1920x680.jpg.webp?h=0374f3c2&itok=5sMDGCeu" media="(max-width: 480px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_medium_4_1_banner/public/2024-04/template-banner-finance-news-hub1920x680.jpg.webp?h=0374f3c2&itok=CC91TgF3" media="(max-width: 768px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_large_4_1_banner/public/2024-04/template-banner-finance-news-hub1920x680.jpg.webp?h=0374f3c2&itok=BKPJ7THu" media="(max-width: 996px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_extra_large_4_1_banner/public/2024-04/template-banner-finance-news-hub1920x680.jpg.webp?h=0374f3c2&itok=O7XLKyjr" media="(max-width: 1140px)" ><source srcset="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_full_width_banner_4_1/public/2024-04/template-banner-finance-news-hub1920x680.jpg.webp?h=0374f3c2&itok=tdd6Wcxa" media="(min-width: 1140px)" ><img class="ecl-banner__image" src="https://finance.ec.europa.eu/sites/default/files/styles/oe_theme_full_width_banner_4_1/public/2024-04/template-banner-finance-news-hub1920x680.jpg.webp?h=0374f3c2&itok=tdd6Wcxa" alt="" ></picture></figure><div class="ecl-container ecl-banner__info"><div class="ecl-banner__container" data-ecl-banner-container ><div class="ecl-banner__content"><div class="ecl-banner__title"><span class="ecl-banner__title-text"> Finance news hub</span></div><p class="ecl-banner__description"><span class="ecl-banner__description-text">Get the latest EU finance news on digital & sustainable finance, banking, capital markets union, sanctions and more</span></p><div class="ecl-banner__cta"><a href="/finance-news-hub_en?prefLang=ro" class="ecl-link ecl-link--cta ecl-link--icon ecl-banner__link-cta" data-original-title-description="  Finance news hub" ><span class="ecl-link__label">Keep up to date</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-90 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#corner-arrow"></use></svg></a></div></div></div></div></section> </div> </div> <div class="ewcms-page-section ecl-u-mb-2xl ecl-u-bg-neutral-40"> <div class="ecl-container ecl-u-pv-m"> <a id="paragraph_3024"></a> <div class="ecl-content-item-block"><div class="ecl-row"><div class="ecl-content-item-block__title ecl-col-12"><h2 class='ecl-u-type-heading-2'>Featured</h2></div></div><div class="ecl-row"><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 "><article class="ecl-navigation-list__item" ><picture class="ecl-picture ecl-navigation-list__picture" ><img class="ecl-navigation-list__image" src="/sites/default/files/styles/oe_theme_ratio_3_2_medium/public/2024-01/eudfp-hero-card-640x450_0.jpg?itok=CQWIkU8A" alt="" ></picture><div class="ecl-content-block ecl-navigation-list__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="https://digital-finance-platform.ec.europa.eu/" class="ecl-link ecl-link--standalone" >The EU Digital Finance Platform</a></div><div class="ecl-content-block__description"><div class="ecl"><p>Building connections and boosting innovation. Discover the new features of the EU Digital Finance Platform.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 "><article class="ecl-navigation-list__item" ><picture class="ecl-picture ecl-navigation-list__picture" ><img class="ecl-navigation-list__image" src="/sites/default/files/styles/oe_theme_ratio_3_2_medium/public/2022-07/finance-sanctions-1-1-640x450.jpg?itok=_yTTmmTM" alt="technical financial graph on technology abstract background" ></picture><div class="ecl-content-block ecl-navigation-list__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/eu-and-world/sanctions-restrictive-measures_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Sanctions </a></div><div class="ecl-content-block__description"><div class="ecl"><p>An essential tool through which the EU can intervene where necessary to prevent conflict or respond to emerging or current crises.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column"><article class="ecl-navigation-list__item" ><picture class="ecl-picture ecl-navigation-list__picture" ><img class="ecl-navigation-list__image" src="/sites/default/files/styles/oe_theme_ratio_3_2_medium/public/2022-06/finance-consultations-640x450.jpg?itok=N2lef84R" alt="Businessman using tablet analyzing sales data and economic growth graph chart. Business strategy. Abstract icon. Digital marketing." ></picture><div class="ecl-content-block ecl-navigation-list__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/digital-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Digital finance </a></div><div class="ecl-content-block__description"><div class="ecl"><p>New financial technologies can facilitate access to financial services and improve the efficiency of the financial system.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column last-item"><article class="ecl-navigation-list__item" ><picture class="ecl-picture ecl-navigation-list__picture" ><img class="ecl-navigation-list__image" src="/sites/default/files/styles/oe_theme_ratio_3_2_medium/public/2022-06/finance-crime-640x450.jpg?itok=lRqn9whc" alt="Businessman using fingerprint indentification to access personal financial data. Idea for E-kyc (electronic know your customer), biometrics security, innovation technology against digital cyber crime " ></picture><div class="ecl-content-block ecl-navigation-list__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/financial-crime_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Financial crime</a></div><div class="ecl-content-block__description"><div class="ecl"><p>Fighting money laundering and terrorist financing contributes to global security, integrity of the financial system and sustainable growth.</p></div></div></div></article></div></div></div> </div> </div> <div class="ecl-u-mb-2xl"> <a id="paragraph_3027"></a> <div id="block-news" class="ecl-u-mt-l"> <h2 class="ecl-u-type-heading-2">News</h2> <div class="ecl-content-item-block"><div class="ecl-row"><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><ul class="ecl-content-block__primary-meta-container"><li class="ecl-content-block__primary-meta-item">Speech</li><li class="ecl-content-block__primary-meta-item"><time datetime="2024-11-20T12:00:00Z">20 November 2024</time></li></ul><div class="ecl-content-block__title"data-ecl-title-link><a href="/news/keynote-speech-martin-merlin-federation-international-banks-ireland-annual-conference-2024-2024-11-20_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Keynote speech by Martin Merlin at the Federation of International Banks in Ireland Annual Conference 2024</a></div><ul class="ecl-content-block__secondary-meta-container"><li class="ecl-content-block__secondary-meta-item"><svg class="ecl-icon ecl-icon--s ecl-content-block__secondary-meta-icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#clock"></use></svg><span class="ecl-content-block__secondary-meta-label">6 min read</span></li></ul><div class="ecl-content-block__list-container"></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 "><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><ul class="ecl-content-block__primary-meta-container"><li class="ecl-content-block__primary-meta-item">News article</li><li class="ecl-content-block__primary-meta-item"><time datetime="2024-10-17T12:00:00Z">17 October 2024</time></li></ul><div class="ecl-content-block__title"data-ecl-title-link><a href="/news/work-continues-towards-consolidated-trading-landscape-financial-instruments-eu-2024-10-17_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Work continues towards a consolidated trading landscape for financial instruments in the EU</a></div><ul class="ecl-content-block__secondary-meta-container"><li class="ecl-content-block__secondary-meta-item"><svg class="ecl-icon ecl-icon--s ecl-content-block__secondary-meta-icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#clock"></use></svg><span class="ecl-content-block__secondary-meta-label">1 min read</span></li></ul><div class="ecl-content-block__list-container"></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column"><article class="ecl-content-item" ><div class="ecl-content-block ecl-content-item__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><ul class="ecl-content-block__primary-meta-container"><li class="ecl-content-block__primary-meta-item">Statement</li><li class="ecl-content-block__primary-meta-item"><time datetime="2024-10-15T12:00:00Z">15 October 2024</time></li></ul><div class="ecl-content-block__title"data-ecl-title-link><a href="/news/shortening-standard-securities-settlement-cycle-european-union-next-steps-2024-10-15_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Shortening the standard securities settlement cycle in the European Union: next steps</a></div><ul class="ecl-content-block__secondary-meta-container"><li class="ecl-content-block__secondary-meta-item"><svg class="ecl-icon ecl-icon--s ecl-content-block__secondary-meta-icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#clock"></use></svg><span class="ecl-content-block__secondary-meta-label">4 min read</span></li></ul><div class="ecl-content-block__list-container"></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column last-item"><article class="ecl-content-item" 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read</span></li></ul><div class="ecl-content-block__list-container"></div></div></article></div></div><div class="ecl-u-border-color-neutral ecl-u-border-width-1 ecl-u-border-top"></div><div class="ecl-row"><div class="ecl-content-item-block__button ecl-col-12"><div class="ecl-u-clearfix ecl-u-pv-m"><a href="https://finance.ec.europa.eu/finance-news_en" class="ecl-link ecl-link--standalone ecl-link--icon" ><span class="ecl-link__label">See all</span><svg class="ecl-icon ecl-icon--xs ecl-icon--rotate-180 ecl-link__icon" focusable="false" aria-hidden="true" ><use xlink:href="/themes/contrib/oe_theme/dist/ec/images/icons/sprites/icons.svg#arrow-left"></use></svg></a></div></div></div></div> </div> </div> <div class="ecl-u-mb-2xl"> <a id="paragraph_5171"></a> <div class="ecl-content-item-block"><div class="ecl-row"><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column"><article class="ecl-navigation-list__item" ><picture class="ecl-picture ecl-navigation-list__picture" ><img class="ecl-navigation-list__image" src="/sites/default/files/styles/oe_theme_ratio_3_2_medium/public/2024-04/finance-news-hub-hero-card.jpg?h=252f27fa&itok=u0fhYuAd" alt="" ></picture><div class="ecl-content-block ecl-navigation-list__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/finance-news-hub_en?prefLang=ro" class="ecl-link ecl-link--standalone" >Finance news hub</a></div><div class="ecl-content-block__description"><div class="ecl"><p>Where you can keep up to date with all the latest EU finance news on digital & sustainable finance, banking and much more.</p></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column last-item"><article class="ecl-navigation-list__item" ><picture class="ecl-picture ecl-navigation-list__picture" ><img class="ecl-navigation-list__image" src="/sites/default/files/styles/oe_theme_ratio_3_2_medium/public/2024-01/eu-finance-podcast-card-hero-s2.jpg?itok=by-NxUvV" alt="EU Finance podcast " ></picture><div class="ecl-content-block ecl-navigation-list__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><div class="ecl-content-block__title"data-ecl-title-link><a href="/eu-finance-podcast-future-finance_en?prefLang=ro" class="ecl-link ecl-link--standalone" >EU Finance Podcast</a></div><div class="ecl-content-block__description"><div class="ecl"><p>Short episodes on topics related to banks, capital markets, digital or sustainable finance, sanctions, etc.</p></div></div></div></article></div></div></div> </div> <div class="ecl-u-mb-2xl"> <a id="paragraph_3028"></a> <div id="block-events" class="ecl-u-mt-l"> </div> </div> <div class="ecl-u-mb-2xl"> <a id="paragraph_5230"></a> <div class="ecl-content-item-block"><div class="ecl-row"><div class="ecl-content-item-block__title ecl-col-12"><h2 class='ecl-u-type-heading-2'>Consultations and tender opportunities</h2></div></div><div class="ecl-row"><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column"><article class="ecl-card" ><div class="ecl-card__body"><div class="ecl-content-block ecl-card__content-block" data-ecl-auto-init="ContentBlock" data-ecl-content-block ><ul class="ecl-content-block__primary-meta-container"><li class="ecl-content-block__primary-meta-item">Public and targeted consultations</li></ul><div class="ecl-content-block__title"data-ecl-title-link><a href="https://finance.ec.europa.eu/regulation-and-supervision/consultation_en" class="ecl-link ecl-link--standalone" >Consultations</a></div><div class="ecl-content-block__description"><div class="ecl"><p>Check the latest consultations.</p></div></div></div></div></article></div><div class="ecl-content-item-block__item contextual-region ecl-u-mb-l ecl-col-12 ecl-col-l-6 last-item-column 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