meta_id 3348183

On July 23, 2026, the Prudential Supervision and Resolution Authority (ACPR) announced it has adopted guidelines issued by the European Banking Authority (EBA) on proportionate retail client diversification methods under Article 123(1) of Regulation (EU) No 575/2013 (EBA/GL/2026/02). The EBA guidelines establish proportionate approaches for credit institutions to diversify their retail client base. These guidelines apply to all institutions under the direct supervision of the ACPR, including banks and investment firms operating in France. The ACPR's adoption ensures consistency with European regulatory standards and reinforces prudential oversight of credit risk concentration in retail banking activities. All supervised institutions must take all necessary measures to comply with these guidelines in accordance with Article 16 of Regulation (EU) No 1093/2010, which established the EBA. The guidelines are binding on the ACPR and its supervised entities, requiring implementation of the specified diversification methodologies to manage concentration risk effectively within retail customer portfolios. The ACPR has published a notice confirming its compliance with the EBA guidelines, along with links to the full text of the EBA guidance. Supervised institutions should review the guidelines and implement necessary changes to their retail client diversification strategies to ensure full compliance with the new framework.