Joint Committee Annual Report 2025: Digitalisation, Cyber Resilience and Sustainable Finance Priorities
Summary
The Joint Committee of the European Supervisory Authorities (EBA, EIOPA and ESMA) published its Annual Report for 2025, highlighting priorities in protecting consumers in digital financial markets, strengthening operational and cyber resilience through the Digital Operational Resilience Act (DORA), improving sustainable finance disclosures, and enhancing cross-sectoral risk monitoring. The report also covers work on the EU securitisation framework, the European Single Access Point (ESAP), and efforts to simplify the EU financial regulatory framework.
“In 2025, the Joint Committee focused on protecting consumers in increasingly digital financial markets, strengthening operational and cyber resilience through the implementation of the Digital Operational Resilience Act (DORA), improving the effectiveness of sustainable finance disclosures, and enhancing cross-sectoral risk monitoring.”
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What changed
The Joint Committee of European Supervisory Authorities published its 2025 Annual Report, documenting cross-sectoral supervisory work and coordination activities. Key priorities highlighted include protecting consumers in digital financial markets, implementing the Digital Operational Resilience Act (DORA), improving sustainable finance disclosures, and enhancing cross-sectoral risk monitoring. The report also notes progress on the EU securitisation framework, the European Single Access Point (ESAP), and regulatory simplification efforts.
Financial institutions operating across the EU should monitor these stated priorities as indicators of supervisory focus areas. While the report itself is non-binding, it signals the direction of cross-sectoral regulatory attention and may inform compliance planning for firms subject to DORA and sustainable finance disclosure requirements.
Archived snapshot
Apr 24, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
The Joint Committee of the European Supervisory Authorities (EBA, EIOPA and ESMA – the ESAs) today published its Annual Report for 2025 , setting out the main priorities and achievements of its cross-sectoral work over the past year. In 2025, the Joint Committee focused on protecting consumers in increasingly digital financial markets, strengthening operational and cyber resilience through the implementation of the Digital Operational Resilience Act (DORA), improving the effectiveness of sustainable finance disclosures, and enhancing cross-sectoral risk monitoring.
Chaired by the European Insurance and Occupational Pensions Authority (EIOPA), in 2025 the Joint Committee continued to act as a key coordination platform, supporting close cooperation and information exchange between the ESAs, the European Commission and the European Systemic Risk Board (ESRB).
The Joint Committee also advanced a range of other cross-sectoral initiatives, including work to enhance the EU securitisation framework, progress on the European Single Access Point (ESAP), and support for financial innovation through the European Forum for Innovation Facilitators (EFIF).
In line with the European Commission’s priorities, the Joint Committee further contributed to efforts to simplify the EU financial regulatory framework and reduce unnecessary complexity, notably in the areas of sustainable finance and packaged retail and insurance-based investment products (PRIIPs).
Background
The Joint Committee is a forum established to strengthen cooperation between the European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA) and the European Securities and Markets Authority (ESMA). It coordinates cross-sectoral supervisory work and promotes consistent supervisory practices across the EU.
In an environment marked by heightened geopolitical uncertainty, accelerating digitalisation and rapid financial innovation, the ESAs focused on ensuring that regulatory frameworks remain robust, proportionate and forward-looking.
Details
Publication date 24 April 2026
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