The European Banking Authority (EBA) published on 29 June 2026 a roadmap detailing how it will deliver its mandates under the revised Deposit Guarantee Schemes Directive (DGSD3), including a timeline for 12 regulatory products to be developed over the next three years. The measures aim to strengthen depositor protection across the EU by improving information for depositors, ensuring faster payouts in bank failures, enhancing cooperation between national schemes, and reinforcing stress-testing frameworks.
The roadmap follows the publication of the Crisis Management and Deposit Insurance (CMDI) package in the Official Journal of the EU. The revised DGSD3, published on 20 April 2026, introduces over 100 operational improvements, many based on five Opinions the EBA issued to the European Commission between 2019 and 2021. The EBA's deliverables will be released in three batches ahead of the Directive's application in May 2028.
The roadmap provides stakeholders with clarity on the sequencing of the EBA's work. The 12 regulatory products include technical standards and guidelines that will bring tangible benefits to EU citizens, such as better-informed depositors about their rights, faster repayment in both domestic and cross-border bank failures, strengthened cooperation between national deposit guarantee schemes and relevant authorities, and enhanced stress-testing frameworks to ensure preparedness for crisis situations. Together, these measures aim to ensure that bank failures can be managed effectively without jeopardising financial stability or causing contagion to the financial system.
The EBA's roadmap impacts several stakeholders. EU depositors will benefit from clearer information and faster payouts, reducing uncertainty in case of bank failure. National deposit guarantee schemes will face new coordination and stress-testing requirements, potentially increasing administrative burdens but improving crisis preparedness. EU banks may need to adjust their deposit-related systems and data reporting to comply with new technical standards, incurring compliance costs. EU regulatory bodies, including the EBA and national authorities, will oversee implementation and ensure harmonisation across member states, strengthening the overall crisis management framework.