meta_id 3347645

On July 23, 2026, the European Banking Authority (EBA) published a consultation paper on draft Implementing Technical Standards (ITS) specifying information exchange procedures between credit institutions, deposit guarantee schemes (DGSs), designated authorities, and the EBA under Directive 2026/804/EU (DGSD3). The consultation addresses three key information flows. First, credit institutions must provide DGSs with minimum data for stress testing and deposit repayment preparedness, including depositor identification, eligible deposit amounts, and indicators for specific cases such as cross-border deposits, client funds, money laundering or terrorist financing (ML/TF) suspensions, and accounts subject to Union restrictive measures. The ITS proposes that DGSs set submission deadlines not exceeding three working days from request. Second, DGSs must submit annual reports to the EBA by March 31 on covered deposits and available financial means, with the EBA publishing consolidated, data-extractable tables. Third, designated authorities must notify the EBA without undue delay of deposit unavailability determinations, DGS fund usage, alternative funding arrangements, and changes to DGS operations, enabling the EBA to develop a transparent public database on bank failures. The draft ITS builds on existing practices and aims to harmonise requirements across Member States without imposing unnecessary burden. Notably, the EBA does not prescribe uniform file formats or templates, instead allowing national implementation flexibility. For cross-border deposits, credit institutions must identify accounts opened via branches or passported services, with specific criteria outlined for determining freedom to provide services arrangements. The consultation includes nine questions addressing specific proposals on dormant accounts, client funds identification, contact details, and publication procedures. The public consultation closes on October 23, 2026. Responses should be submitted via the EBA's consultation portal. The EBA will consider feedback before finalising the ITS.