The Future of Financial Regulation in the EU
Three trends to watch
As we approach mid-2025, EU financial regulation is entering a new phase : more integrated, more digital, and more demanding. At Osmia Consulting, we’re keeping a close eye on the shifts that will shape the compliance landscape for years to come.
Here are three regulatory trends we believe will have the biggest impact on Luxembourg’s financial sector:
1. Digital Operational Resilience Act (DORA) : From Framework to Enforcement
DORA is no longer a theoretical framework : it is now an operational reality. Firms must now demonstrate not only cyber resilience but also robust ICT third-party risk management.
Regulatory scrutiny will move from paper policies to real, tested digital resilience.
2. ESG: From Voluntary to Verified
With the Corporate Sustainability Reporting Directive (CSRD) and European Sustainability Reporting Standards (ESRS) taking hold, ESG is shifting from aspirational to accountable. Firms will require robust internal control frameworks, validated data, and clearly traceable audit trails to meet regulatory expectations.
3. Supervisory convergence in the EU
The European Supervisory Authorities (ESAs) are increasingly harmonizing supervision across Member States. For Luxembourg firms, this means local compliance must now align with a more coordinated EU-wide standard. National specificities still matter, but pan-European consistency has become the new benchmark.
What are the implications for compliance officers, legal teams, and executive management?
Greater cross-functional collaboration. Increased automation. A more strategic approach to compliance.
At Osmia, we believe that anticipating these trends - rather than merely reacting to them - is essential to achieving sustainable compliance and effective risk management.
How can Osmia Consulting Help you ?
With extensive experience in Luxembourg’s regulatory landscape, Osmia Consulting offers advice and support, ensuring efficiency and expert handling of your compliance requirements.
We’d be delighted to discuss how your firm can turn regulatory change into a competitive advantage.