Overview of financial services legislation

Financial markets

• Credit Rating Agencies Regulation (CRA) - 1060/2009/EC
• Capital Market Recovery Directive - 2021/338/EU
• European Crowdfunding Service Providers for Business Regulation - 2020/1503/EU
• Investment Firms Directive (IFD) - 2019/2034/EU
• Investment Firms Regulation (IFR)- 2019/2033/EU

Investment funds

• Cross-Border Distribution of Investment Funds Directive - 2019/1160/EU
• Cross-Border Distribution of Investment Funds Regulation - 2019/1156/EU
• Alternative Investment Fund Managers Directive (AIFMD) - 2011/61/EU
• European Long-Term Investment Funds Regulation (ELTIF) - 2015/760/EU
• 2023 European Long-Term Investment Funds Regulation (ELTIF) - 2023/606/EU
• European Social Entrepreneurship Funds Regulation (EuSEF) - 346/2013/EU
• European Venture Capital Funds Regulation (EuVECA) - 345/2013/EU
• Money Market Funds Regulation (MMF) - 2017/1131/EU
• Undertakings for Collective Investment in Transferable Securities Directive (UCITS) - 2009/65/EC

Securities markets

• Benchmarks Regulation - 2016/1011/EU
• Markets in Financial Instruments Directive (MiFID) - 2004/39/EC
• Markets in Financial Instruments Directive (MiFID II) - 2014/65/EU
• Markets in Financial Instruments Regulation (MiFIR) - 600/2014/EU
• Market Abuse Regulation (MAR) - 596/2014/EU
• Market Abuse Directive (MAD) - 2014/57/EU
• Prospectus Directive - 2003/71/EC
• Prospectus Regulation - 2017/1129/EU
• Securitisation Regulation - 2017/2402/EU
• Short Selling Regulation - 236/2012/EU
• SME listing act - 2019/2115/EU

Post-trade services

• CCP Recovery and Resolution Regulation - 2021/23/EU
• Central Securities Depositories Regulation (CSDR) - 909/2014/EU
• Central Securities Depositories Regulation 2023 (CSDR 2023) - 2023/2845/EU
• Financial Collateral Directive - 2002/47/EC
• OTC Derivatives, Central Counterparties and Trade Repositories Regulation (EMIR) - 648/2012/EU
• Securities Financing Transactions Regulation (SFTR) - 2015/2365/EU
• Settlement Finality Directive - 98/26/EC

Company reporting and auditing

• Audit Directive - 2006/43/EC
• Accounting Directive - 2013/34/EU
• Corporate Sustainability Reporting Directive (CSRD) - 2022/2464/EU
• Country by Country Reporting Directive - 2021/2101/EU
• European single access point (ESAP) Regulation - 2023/2859/EU
• International Accounting Standards Regulation (IAS Regulation) - 1606/2002/EC
• Non-Financial Reporting Directive (NFRD) - 2014/95/EU
• Statutory Audit Directive - 2014/56/EU
• Statutory Audit Regulation - 537/2014/EU
• Transparency Directive - 2004/109/EC

Banking union

• Single Resolution Mechanism Regulation (SRM) - 806/2014/EU
• Single Supervisory Mechanism Regulation - 1024/2013/EU

Banking regulation

• Capital Requirements Directive (CRD VI) - 2024/1619/EU
• Capital Requirements Directive (CRD V) - 2019/878/EU
• Capital Requirements Directive (CRD IV) - 2013/36/EU
• Capital Requirements Regulation (CRR III) - 2024/1623/EU
• Capital Requirements Regulation (CRR II) - 2019/876/EU
• Capital Requirements Regulation (CRR) - 575/2013/EU
• Bank Recovery and Resolution Directive (BRRD) - 2014/59/EU
• Deposit Guarantee Schemes Directive (DGSD) - 2014/49/EU

Supplementary supervision of financial conglomerates

• Financial Conglomerates Directive (FICOD) - 2002/87/EC

Non-performing loans (NPLs)

• Credit Servicers and Credit Purchasers Directive - 2021/2167/EU

Insurance

• Insurance Distribution Directive (IDD) - 2016/97/EU
• Motor Insurance Directive - 2009/103/EC
• 2021 Motor Insurance Directive - 2021/2118/EU
• Solvency II Directive - 2009/138/EC

Pensions funds

• Occupational Pension Funds Directive (IORP) - 2003/41/EC
• Pan-European Personal Pension Product Regulation (PEPP) - 2019/1238/EU

EU taxonomy for sustainable activities

• EU Climate Transition Benchmarks Regulation - 2019/2089/EU
• European Green Bond Standard Regulation (EuGB) - 2023/2631/EU
• Sustainable Finance Disclosures Regulation (SFDR) - 2019/2088/EU
• Taxonomy Regulation - 2020/852/EU

• Digital Operational Resilience Regulation (DORA) - 2022/2554/EU
• Markets in Crypto-assets Regulation (MiCA) - 2023/1114/EU
• Pilot Regime for Market Infrastructures Based on Distributed Ledger Technology Regulation (DLT Pilot Regulation) - 2022/858/EU

Retail financial services

• Consumer Credit Directive - 2008/48/EC
• Mortgage Credit Directive - 2014/17/EU
• Packaged Retail and Insurance-based Investment Products Regulation (PRIIPs) - 1286/2014/EU
• Payment Accounts Directive (PAD) - 2014/92/EU

Payment services

• Cross-Border Payments Regulation - 924/2009/EC
• E-Money Directive - 2009/110/EC
• Payment Services Directive (PSD 2) - 2015/2366/EU
• Payment Services Directive (PSD 1) 2007/64/EC
• Single Euro Payments Area (SEPA) Regulation - 260/2012/EU

EU context of anti-money laundering and countering the financing of terrorism

• Anti-Money Laundering and Terrorist Financing Directive VI (AMLD VI) - 2024/1640/EU
• Anti-Money Laundering and Terrorist Financing Regulation (AMLR) - 2024/1624/EU
• Regulation establishing the Authority for Anti-Money Laundering and Countering the Financing of Terrorism (AMLA Regulation) - 2024/1620/EU
• Anti-Money Laundering and Terrorist Financing Directive V (AMLD V) - 2018/843/EU
• Anti-Money Laundering and Terrorist Financing Directive IV (AMLD IV) - 2015/849/EU
• Transfer of Funds Regulation (TFR) - 2023/1113/EU
• Information Accompanying Transfers of Funds Regulation - 2015/847/EU