The European Banking Authority (EBA) has initiated a consultation period, running from February 9, 2026, to May 10, 2026, concerning the simplification and assessment of the credit risk framework. This discussion paper seeks input from stakeholders on potential improvements and evaluations of the existing credit risk regulations. The EBA is actively soliciting contributions from the industry to inform its future policy development in this area.

Regulated entities, including banks, financial advisers, fund managers, and insurers operating within the EU, are encouraged to review the discussion paper and submit their feedback by the deadline of May 10, 2026. The EBA will publish all submitted contributions unless confidentiality is requested. This consultation represents an opportunity for industry participants to influence the future direction of credit risk regulation within the EU.