pc
nid 93581
Jun 30, 2026
adavies@vixio.com
European Union
European Banking Authority
financial services
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1868 charsEuropean Banking Authority Publishes Roadmap for Revised Deposit Guarantee Schemes Directive Implementation
On June 29, 2026, the European Banking Authority (EBA) published a roadmap outlining how it will deliver its mandates under the revised Deposit Guarantee Schemes Directive (DGSD3). The roadmap sets out the EBA's role in implementing DGSD3 by developing regulatory products to strengthen depositor protection across the European Union ahead of the Directive's application in May 2028.
The revised DGSD3, published on April 20, 2026, introduces over 100 operational improvements to the EU bank crisis management framework. Many of these improvements are based on five Opinions issued by the EBA to the European Commission between 2019 and 2021. To support implementation, the EBA will develop 12 regulatory products—comprising technical standards and guidelines—to be delivered in three batches over the next three years. These deliverables will improve how depositors are informed about their rights and protection; ensure faster repayment in both domestic and cross-border bank failures; strengthen cooperation between national deposit guarantee schemes and relevant authorities; and enhance stress-testing frameworks to ensure preparedness for crisis situations. The roadmap provides stakeholders with clarity on the sequencing of the EBA's work and demonstrates the EBA's contribution to strengthening the EU bank crisis management framework by enhancing depositor protection, supporting financial stability, and further harmonising protection standards across member states. Together, these measures will help ensure that bank failures can be managed effectively without jeopardising financial stability or causing contagion to the financial system.
The roadmap is available on the EBA website, and stakeholders should monitor the EBA's publications for the delivery of the 12 regulatory products across the three-year implementation timeline leading to May 2028.
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1056 charsEuropean Banking Authority Publishes Roadmap for Revised Deposit Guarantee Schemes Directive Implementation
On June 29, 2026, the European Banking Authority (EBA) published a roadmap outlining how it will deliver its mandates under Directive (EU) 2026/804 (Deposit Guarantee Schemes Directive – DGSD3).
The roadmap sets out the EBA's role in implementing DGSD3 by developing regulatory products to strengthen depositor protection across the European Union ahead of the Directive's application in May 2028. The revised DGSD3, published on April 20, 2026, introduces over 100 operational improvements to the EU bank crisis management framework. To support implementation, the EBA will develop 12 regulatory products—comprising technical standards and guidelines—to be delivered in three batches over the next three years. These deliverables will improve how depositors are informed about their rights and protection; ensure faster repayment in both domestic and cross-border bank failures; strengthen cooperation between national deposit guarantee schemes and relevant authorities; and enhance stress-testing frameworks to ensure preparedness for crisis situations.