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Aktuelle Fragen zu Sprache, Stimme und Kommunikation stehen im Zentrum der Jahrestagung der Deutschen Gesellschaft für Sprechwissenschaft und

The European Banking Authority (EBA) today launched four public consultations on proposed rules to further strengthen depositor protection, preserve financial stability, and further harmonise depositor protection standards across the EU under the revised Deposit Guarantee Schemes Directive (DGSD3). The EBA seeks stakeholders’ feedback on Implementing Technical Standards (ITS) on depositor information, ITS on information exchange between credit institutions, Deposit Guarantee Schemes (DGSs) and other relevant authorities, Regulatory Technical Standards (RTS) on the treatment of client funds protection standards across the EU, and Guidelines (GL) on how DGSs should invest funds collected from the industry. The four consultations run until 23 October 2026. The draft ITS on depositor information set out harmonised content and formats for depositor information sheets provided at account opening, and on a regular basis. They also establish requirements for communications to depositors in specific situations, such as bank mergers of banks, or failures. The proposals aim to improve depositors’ awareness of coverage while allowing flexibility in how institutions communicate, without increasing administrative burden. The draft ITS on information exchange introduce standardised procedures, templates and minimum requirements for information exchange in bank failure scenarios. They also: * enhance reporting from DGSs to the EBA on covered deposits and available financial means; * define information to be reported by authorities on bank failures; * improve transparency on the use of DGS funds. The framework builds on existing best practices to ensure that information is accurate, timely and proportionate. The draft RTS on client funds establish rules to ensure DGSs receive the data needed to identify and reimburse clients whose funds are held in intermediary accounts. They clarify: * when reimbursement should be made directly to clients or via the account holder; and * how to prevent duplicate payouts. These measures aim to ensure consistent protection, operational efficiency and legal certainty across the EU. The draft Guidelines on investment of available financial means set out how DGSs should invest their funds to ensure diversification, low risk and sufficient liquidity. The proposals support DGSs’ ability to rapidly mobilise funds not only for depositor reimbursement, but also for resolution and other interventions within their mandate, as strengthened under DGSD3. Consultation process Comments on the four consultations can be sent to the EBA by clicking on the “send your comments” button on the four respective web pages. Please note that the deadline for the submission of comments to any of these consultation papers is 23 October 2026. All contributions received will be published after the consultation closes, unless requested by the respondent otherwise. A public hearing on all four regulatory products will take place on 24 September from 10:00 to 13:00 CEST. The deadline for registration is the 21 September 2026, 12:00 CEST. Background and legal basis The revised Deposit Guarantee Schemes Directive (DGSD3), adopted in 2026, strengthens the EU framework for managing bank crises by enhancing depositor protection and further harmonising rules across Member States. It incorporates over 100 operational improvements, many based on EBA recommendations issued between 2019 and 2021.The draft regulatory products published today support consistent and effective implementation of the revised framework across the Union. Under DGSD3, the EBA is mandated to develop 12 Technical Standards and Guidelines, the first four of which have been published today for consultation. Documents Consultation Paper on RTS on DGS payouts of client funds deposits (765.28 KB - PDF) Consultation Paper on ITS on information exchange (810.23 KB - PDF) Consultation Paper on ITS on depositor information (702.03 KB - PDF) Consultation paper on Guidelines on investment of available financial means (476.01 KB - PDF) Related content Draft Implementing Technical StandardsUnder consultation Implementing Technical Standards on information exchange Consultation23 OCTOBER 2026 Consultation on Implementing Technical Standards on information exchange Draft Regulatory Technical StandardsUnder consultation Regulatory Technical Standards on DGS payouts of client funds deposits Consultation23 OCTOBER 2026 Consultation on Regulatory Technical Standards on DGS payouts of client funds deposits GuidelinesUnder consultation Guidelines on investment of available financial means Consultation23 OCTOBER 2026 Consultation on Guidelines on investment of available financial means Draft Implementing Technical StandardsUnder consultation Implementing Technical Standards on depositor information Consultation23 OCTOBER 2026 Consultation on Implementing Technical Standards on depositor information Public hearing 24/09/2026 - 10:00 - 24/09/2026 - 13:00 Public hearing on the EBA consultation papers on the first batch of mandates under DGSD3 Topic Depositor protection

While Gaura Devi came into the limelight by becoming the symbol of the Chipko Movement through her brave act, Chandi Prasad Bhatt played a significant role in laying the foundation of the Chipko Movement. He had formed the Dashauli Gram Swarajya Sangh (DGSS) in 1964 and used it as a tool for forest conservation alongside establishing forest-based industries. Time and again in several interviews, Bhatt has reiterated that forests are far beyond being a provider of timber.

* All national deposit guarantee schemes (DGS) in the European Union (EU) have reached the envisaged minimum target level. * The funds have been built up over a 10-year period through contributions from credit institutions and are directly available to reimburse depositors in the case of a bank failure. * The amount of deposits protected by the DGSs increased by 3.2% to €8.6tn from 2023 to 2024. The European Banking Authority (EBA) today published end-2024 data related to two key concepts and indicators in the Deposit Guarantee Schemes Directive (DGSD), namely financial means available to, and covered deposits protected by, national deposit guarantee schemes. The EBA publishes this data for each Member State, and on a yearly basis to enhance the transparency and public accountability of DGSs across the EU to the benefit of depositors, markets, policymakers, DGSs and Members States. Following a 10-year build-up phase, the EU DGS funds have reached €79bn of available means in aggregate. The DGSD ensures the adequate protection of depositors when banks fail, by guaranteeing that deposits up to a certain level will always be repaid even if the bank holding them fails. Covered deposits are guaranteed up to €100,000 or the equivalent in other currencies per depositor at each bank. The data as of 31 December 2024 shows that, compared to 2023, the amount of covered deposits across the EU further increased by 3.2% to €8.6tn, after increases of 1.7% in 2023 and 2.5% in 2022. Furthermore, all banks in the EU have been obliged to contribute to funds held by the DGSs in their jurisdiction for the main purpose of reimbursing depositors within seven days after a bank failure. The deadline for those funds to reach the minimum required target level of usually 0.8% of covered deposits for the first time was 3 July 2024. The end-2024 data shows that all 33 EU DGSs are at or above that target level. In total, funds available to protect deposits in case of bank failures rose by 11.1% to €79bn in 2024. DGSs have in place additional arrangements, to require credit institutions to make additional contributions to the fund and/or to make additional short-term funding available should the need arise. The public data includes data for the EU countries, Iceland, Norway and Liechtenstein, which together form the European Economic Area (EEA). The total covered deposits in the EEA amount to €8.8tn and the total available financial means in the EEA funds amount to €81bn at the end of2024. Legal basis and background The EBA is collecting data on deposit guarantee schemes in accordance with Article 10(10) of the DGSD. As per its Decision EBA/DC/2018/243 from 23 July 2018, the EBA makes this data publicly available on its website. Furthermore, in support of the DGSD, the EBA published in December 2021 the Guidelines EBA/GL/2021/17 on the delineation and reporting of AFMs of the DGSs and, thus, expanded the reporting requirements from DGSs to the EBA. Documents Aggregated DGSD data 2024 (1.76 MB - Excel Spreadsheet) Download Related content Page Deposit Guarantee Schemes data