Document library

Reports, opinions, papers, technical standards, guidelines, surveys, etc

Reports, documents and other publications dated before 2018 can be found in the archive.

Reporting

Public consultation on the revised Decision on EIOPA's regular information request towards NCAs regarding the provision of occupational pensions information

The aim of the public consultation is to improve IORPs reporting focusing on emerging risks and new challenges and issues observed by NCAs and pensions industry since its first implementation in 2018. In the consultation package EIOPA proposes to amend its current Decision by including the...
Solvency II

Final Reports on the revision of EIOPA Guidelines on Contract Boundaries and Guidelines on the Valuation of Technical Provisions

During the 2020 review of Solvency II EIOPA identified several divergent practices regarding contract boundaries assessment and the valuation of best estimate, as presented in the analysis background document to EIOPA’s Opinion on the 2020 review of Solvency II. Divergent practices require...
Organisation

Joint Committee Annual Report 2021

In 2021, the Joint Committee under the chairmanship of the ESMA, continued to have a central role for the coordination and exchange of information between the European Supervisory Authorities (ESAs), the European Commission (EC) and the European Systemic Risk Board (ESRB). The main areas of cross-...
Risk assessment

Joint Committee Report on risks and vulnerabilities in the EU financial system - Spring 2022

The report highlights the increasing vulnerabilities across the financial sector as well as the rise of environmental and cyber risks. It also includes a preliminary assessment of the consequences of Russia's invasion of Ukraine.
Sustainability | IDD

Public consultation on draft Guidelines on integrating the customer’s sustainability preferences in the suitability assessment under the IDD

EIOPA’s draft Guidelines provide guidance on: How to help customers better understand the concept of “sustainability preferences” and their investment choices; The collection of information on sustainability preferences from customers; How to match customer preferences with products, based on the...
Stress test | Disclosure

Opinion to institutions of the European Union on individual disclosures in the context of EU-wide stress test exercises

The present Opinion calls for a consistent and disciplined communication of individual stress test results to enhance market discipline, increase stress test participants’ commitment and contribute to a level playing field among insurers and across the financial sector.
Supervision

Supervisory statement on the supervision of run-off undertakings

The aim of the statement is to ensure that a high-quality and convergent supervision is applied to run-off undertakings and portfolios while taking into account their specific nature and risks, the principle of proportionality and the prudent person principle.
Consumer protection

Cost and past performance report 2022

Reporting | Disclosure

Draft Amended Implementing Technical Standards (ITS) on supervisory reporting and disclosure

The amendments have been publicly consulted in 2021 and based on the feedback received further reviewed and in many cases changes introduced in line with the comments received. The current draft is considered by EIOPA balanced and is expected to bring several benefits, which will ultimately lead to...
Stress test

2021 Insurance Stress Test Recommendations

This document outlines EIOPA's recommendations to supervisors and insurers based on the learnings and experience of the 2021 Insurance Stress Test.
Supervision | Digitalisation

Warning to consumers on the risks of crypto-assets

The European Supervisory Authorities (EBA, ESMA and EIOPA – the ESAs) warn consumers that many crypto-assets are highly risky and speculative. The ESAs set out key steps consumers can take to ensure they make informed decisions. This warning comes in the context of growing consumer activity and...
Supervision

Supervisory Convergence Plan for 2022

Supervision

Peer Review Methodology

Supervision | Supervisory framework

Supervisory Convergence Plan for 2022

One of the main goals of EIOPA is to ensure a high, effective and consistent level of supervision across Europe, with the aim of guaranteeing a similar level of protection of policyholders and beneficiaries across jurisdictions, preventing supervisory arbitrage and guaranteeing a level playing...
Digitalisation

Joint ESAs Report on Digital Finance

This report sets out the findings and advice of the ESAs in response to the European Commission’s Call for Advice on digital finance and related issues. It covers cross-sectoral and sector-specific market developments in the three key areas identified in the Call for Advice, and the risks and...
Financial literacy and education

Repository of national financial education initiatives on digitalisation

The repository contains 127 national initiatives that provide consumers with helpful information on how to improve their financial literacy. If you are interested in initiatives aimed to help consumers find their way in the insurance and pensions sectors, check our Financial education map .
Consumer protection

Public consultation on retail investor protection

The consultation is a response to a Call for advice , which the European Commission sent to EIOPA in July 2021. The Call for advice relates to the implementation of the European Commission’s Capital Markets Union Action Plan and, more specifically, its Retail Investment Strategy, which aims to...
Risk assessment | Stress test

Methodological principles of insurance stress testing - climate change component

The methodological paper focuses on the climate change component and is a further step in enhancing EIOPA’s stress testing framework. In particular, the paper sets out methodological principles that can be used to design bottom-up stress test exercises that aim to assess the vulnerability of...