The Joint Committee of the European Supervisory Authorities, which brings together the European Banking Authority, the European Insurance and Occupational Pensions Authority and the European Securities and Markets Authority, published its Annual Report for 2025. It sets out the main cross-sector priorities and achievements during the year, centred on consumer protection in increasingly digital financial markets, implementation of the Digital Operational Resilience Act (DORA), more effective sustainable finance disclosures, and enhanced cross-sector risk monitoring. On DORA, the European Supervisory Authorities delivered the mandated legal instruments, set up the governance and methodologies for oversight of critical third-party service providers (CTPPs), and designated nineteen CTPPs with the European Banking Authority appointed as Lead Overseer for each. The report also covers operationalisation of the European Systemic Cyber Incident Coordination Framework, including the creation of a Cyber Incident Information Sharing and Threat Intelligence Exchange mechanism. In sustainable finance and retail protection, the annual report points to improvements in Sustainable Finance Disclosure Regulation principal adverse impact disclosures, new questions and answers on the Sustainable Finance Disclosure Regulation Delegated Regulation, and finalisation of joint guidelines on environmental, social and governance stress testing published in January 2026. It also notes work on simplifying the Packaged Retail and Insurance-based Investment Products key information document and other burden-reduction efforts, alongside consumer-facing crypto-asset warnings and fraud factsheets. Next steps referenced in the report include oversight planning and fee collection for CTPPs during 2026 and continued cross-sector work on regulatory simplification through the Joint Committee.

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