Key dates
- 2026-07-23
- EBA launches consultations on draft ITS on depositor information, ITS on information exchange, RTS on DGS payouts of client funds deposits, and Guidelines on investment of available financial means under DGSD3
- 2026-09-21 Deadline
- Registration deadline (12:00 CEST) for public hearing on all four regulatory products
- 2026-09-24
- Public hearing on the four DGSD3-related regulatory products (10:00–13:00 CEST)
- 2026-10-23 Deadline
- Deadline for submission of comments to the four consultation papers
Suggested considerations
- Compliance teams at EU credit institutions should consider reviewing existing depositor information sheets, account-opening documentation and ongoing communications to assess alignment with the emerging harmonised formats and content envisaged by the draft ITS on depositor information, particularly for merger and failure scenarios.
- DGSs and banks may wish to map current data flows and reporting processes for covered deposits, available financial means and bank failure events against the proposed ITS on information exchange, to identify gaps in data granularity, timeliness, and standardisation that could require system and process changes.
- Firms that hold client funds in pooled or intermediary deposit accounts (such as investment firms or payment institutions) should consider analysing how client identification and segregation data are captured and shared with DGSs, in light of the draft RTS on client funds that aim to ensure accurate and timely reimbursement of underlying clients and avoidance of duplicate payouts.
- DGS operators and finance teams may wish to review investment policies, risk limits, eligible instruments and liquidity management frameworks for DGS financial means, to anticipate adjustments needed to comply with the forthcoming Guidelines on diversification, low risk and liquidity, including readiness to support resolution financing within the DGSD3 mandate.
- All affected stakeholders should consider preparing internal positions and impact assessments and submit consultation responses to the EBA by the stated deadline, highlighting operational challenges, data availability issues, and any potential conflicts with existing national frameworks for depositor protection and crisis management.
- Risk and treasury functions in banks may wish to engage with DGSs and supervisors to understand how enhanced reporting on covered deposits and DGS financial means under the ITS on information exchange could affect crisis-preparedness expectations, stress-testing assumptions and disclosure practices.
- Legal and regulatory affairs teams should consider monitoring the progression of these four draft instruments alongside the remaining eight technical standards and guidelines mandated by DGSD3, to plan for a coordinated implementation programme once final texts and application dates are confirmed.
What changed
The publication launches consultations on four draft regulatory products mandated by DGSD3: (i) Implementing Technical Standards on depositor information, which define harmonised content and format for depositor information sheets at account opening and on a regular basis, and specify communication requirements in special situations such as bank mergers or failures; (ii) Implementing Technical Standards on information exchange between credit institutions, Deposit Guarantee Schemes (DGSs) and other relevant authorities, introducing standardised procedures, templates and minimum information...
Compliance impact
The consultations signal materially enhanced, more granular and harmonised operational requirements for depositor information, data reporting, client funds payout mechanics and DGS investment governance under DGSD3, with implications for systems, documentation and crisis-management playbooks. Once finalised and made binding, the EBA’s technical standards and guidelines are likely to require coordinated implementation efforts across banks, DGSs and competent authorities to ensure consistent depositor protection and effective use of DGS funds in resolution.