Regulatory Retrospective 2025: A Transformative Year for the EU Financial Sector
The year 2025 marked a genuine turning point for EU financial regulation. Reforms advanced across prudential supervision, sustainable finance, digital resilience and market infrastructure, creating a fast-moving environment that required institutions to adjust quickly and thoughtfully.
Highlights of 2025
CRR3/CRD6 implementation brought stronger capital requirements, clearer risk management expectations and reinforced governance standards.
Digital resilience came into sharper focus, with DORA preparation intensifying and supervisors paying closer attention to third-party ICT dependencies.
Sustainable finance frameworks continued to mature, including refinements to the EU Taxonomy and evolving ESG disclosure requirements.
Supervisory convergence progressed, with ESAs working more closely to address cross-border issues and reduce fragmented expectations.
Administrative burden reviews signalled early steps toward simpler, more proportionate reporting and transparency obligations.
What This Means for 2026
As institutions move into 2026, they will face a mix of simplification measures, updated supervisory expectations and evolving sustainability criteria. Staying ahead will require solid governance, strong internal alignment and a clear understanding of regulatory priorities for the year ahead.
Osmia's Perspective
At Osmia Consulting, we see 2025 as having laid the foundations for a more coherent and proportionate regulatory landscape.
Our focus is on helping clients interpret these developments, adapt efficiently and maintain strong, reliable compliance frameworks.
Let Osmia help you navigate these developments. Contact us to find out how we can support your compliance needs.