Document Library

On 27 July 2021, EIOPA received a request from the European Commission, as part of its Retail Investment Strategy, to provide technical advice on a number of specific areas in the field of retail investor protection such as enhancing consumer disclosures, tackling damaging conflicts of interest in...

During the 2020 review of Solvency II EIOPA identified several divergent practices regarding contract boundaries assessment and the valuation of best estimate, as presented in the analysis background documentto EIOPA’s Opinion on the 2020 review of Solvency II. Divergent practices require...

In 2021, the Joint Committee under the chairmanship of the ESMA, continued to have a central role for the coordination and exchange of information between the European Supervisory Authorities (ESAs), the European Commission (EC) and the European Systemic Risk Board (ESRB). The main areas of cross...

The report highlights the increasing vulnerabilities across the financial sector as well as the rise of environmental and cyber risks. It also includes a preliminary assessment of the consequences of Russia's invasion of Ukraine.

The present Opinion calls fora consistent and disciplined communication of individual stress test results to enhance market discipline, increase stress testparticipants’ commitment and contribute to a level playing field among insurers and across the financial sector.

The aim of the statement is to ensure that a high-quality and convergent supervision is applied to run-off undertakings and portfolios while taking into account their specific nature and risks, the principle of proportionality and the prudent person principle.

Costs and past performance report 2022

The amendments have been publicly consulted in 2021 and based on the feedback received further reviewed and in many cases changes introduced in line with the comments received. The current draft is considered by EIOPA balanced and is expected to bring several benefits, which will ultimately lead...

Updated Joint ESA Supervisory Statement on the application of the Sustainable Finance Disclosure Regulation

This document outlines EIOPA's recommendations to supervisors and insurers based on the learnings and experience of the2021 Insurance Stress Test.

Supervisory Convergence Plan for 2022

The European Supervisory Authorities (EBA, ESMA and EIOPA – the ESAs)warn consumers that many crypto-assets are highly risky and speculative. The ESAs set out key steps consumers can take to ensure they make informed decisions.This warning comes in the context of growing consumer activity and...

Peer Review Methodology

One of the main goals of EIOPA is to ensure a high, effective and consistent level of supervision across Europe, with the aim of guaranteeing a similar level of protection of policyholders and beneficiaries across jurisdictions, preventing supervisory arbitrage and guaranteeing a level playing...

This report sets out the findings and advice of the ESAs in response to the European Commission’s Call for Advice on digital finance and related issues. It covers cross-sectoral and sector-specific market developments in the three key areas identified in the Call for Advice, and the risks and...

The repository contains 127 national initiatives that provide consumers with helpful information on how to improve their financial literacy.If you are interested in initiatives aimed to help consumers find their way in the insurance and pensions sectors, check ourFinancial education map.

The methodological paper focuses on the climate change component and is a further step in enhancing EIOPA’s stress testing framework.In particular, the paper sets out methodological principles that can be used to design bottom-up stress test exercises that aim to assess the vulnerability of...

ESAs statement on ESRB Recommendation on a pan-European systemic cyber incident coordination framework

The Consumer Trends Report 2021 and the risk heat-map provide a snapshot of the impact of the COVID-19 crisis on the insurance and pension sector from a consumer protection perspective, highlitinga fast-forwarded digitalisation trend with underlying opportunities, but also some concerns from a...