Germany: Finance and Banking

Die Europäische Kommission hat einen Fahrplan zur Stärkung der Wettbewerbsfähigkeit des europäischen Bankensektors vorgelegt, der auf gezielte Vereinfachung statt Deregulierung setzt. Der Fokus liegt auf dem Abbau regulatorischer Komplexität, effizienterer Kapital- und Liquiditätsnutzung sowie der Frage, wie Banken wieder stärker zur Finanzierung von Wachstum und Transformation beitragen können.

The European Central Bank has completed a comprehensive review of its supervisory publications within the Single Supervisory Mechanism, analyzing approximately 130 documents...

The European Central Bank's Single Supervisory Mechanism has completed a comprehensive review of approximately 130 supervisory publications, discontinuing around 40 documents and introducing clearer classifications for its guidance.

On 17 March 2026, SCHUFA Holding AG (SCHUFA) – Germany's largest and most influential credit reference agency (CRA) – implemented a comprehensive reform of its scoring methodology...

New approval and notification requirements for transactions in the German banking sector are expected to come into force on 1 April 2026 as a result of the BRUBEG...

BaFin announced that it has launched a new survey on cum/cum transactions, following surveys in 2017, 2020 and 2021.

On 17 June 2025, the European Commission (the "Commission") published its proposed measures to revive the securitisation framework in the European Union ("EU"), with a view to making it simpler and more fit for purpose.

On 24 June 2025, the Court of Justice of the European Union (CJEU) published its judgment in Case C-351/23 (GR Real) (the Judgment). The case arose from a Slovak context...

The Securitisation 2024 guide features over 20 jurisdictions. The guide covers the latest developments in insolvency laws, special-purpose entities, the construction of bankruptcy-remote transactions...

The European Commission has published its first report on Directive (EU) 2019/1153, mapping the evolving framework for law-enforcement access to financial intelligence across the EU. While the report defers decisions on expanding data access, it signals a shift toward faster, more standardized cross-border information sharing through interconnected account registers and structured transaction formats. Financial institutions face mounting pressure to ensure their data governance, production capabilities, and

The European Commission has released its first report on the use of financial information by law enforcement authorities, nearly two years behind schedule. While creating no immediate new obligations for financial institutions, the report clearly signals a future direction: networked account registers, standardized transaction data, and faster cross-border inquiries. As data architecture becomes increasingly integrated while the legal framework remains fragmented, financial institutions must understand the

The European Parliament has tabled over 1,900 amendments to the Market Integration and Supervision Package, transforming it from a straightforward proposal into a complex negotiation between competing models for European market supervision and infrastructure. As the Commission's original December 2025 proposal becomes obsolete and multiple parliamentary drafts emerge with conflicting visions, financial firms face critical questions about which supervisory architecture will ultimately govern their licenses