On 21 November 2025, the European Banking Authority (EBA) issued a factsheet on the AI Act and its implications for the EU banking and payments sector.
The factsheet notes that there are not significant contradictions between the EU’s AI Act, which entered into force in August 2024, and EU banking and payments legislation. Furthermore, the EBA has not identified any immediate need to introduce any new or review existing EBA guidelines.
Next steps
In 2026/2027, the EBA will undertake specific activities to support the implementation of the AI Act in the EU banking and payments sector, by:
- Promoting a common supervisory approach and supervisory cooperation among national competent authorities in charge of financial sector supervision and market surveillance authorities.
- Providing input to the AI Office, as appropriate, and participating in discussions of the AI Board Subgroup on Financial Services.