The European Banking Authority (EBA) has initiated a public consultation on its discussion paper to simplify and improve the credit risk framework. Comments are open until 10 May 2026.
The European Banking Authority (EBA) has launched a public consultation on its Discussion Paper concerning the simplification and assessment of the credit risk framework. The paper presents preliminary ideas to enhance usability, efficiency, and simplicity, encouraging broader discussion on future EBA work in this area.
The consultation runs until 10 May 2026. Comments can be submitted via the consultation page, and all contributions will be published unless otherwise requested.
The 2025 EBA Report on the efficiency of the regulatory and supervisory framework recommends reviewing all regulatory products related to credit risk, including those developed under the Single Rulebook. The Discussion Paper proposes a systematic review of mandates to support efficiency and simplicity.
The paper outlines proposals to improve the framework’s coherence by consolidating EBA products and aligning key definitions. It also discusses challenges linked to specific mandates under the Capital Requirements Regulation (CRR) and measures for future reports.
Background information includes the December 2023 roadmap on implementing the EU Banking Package and the opportunity to update existing products for greater consistency and efficiency across the credit risk framework.
