European Banking Authority today released a roadmap detailing its plan to implement the revised Deposit Guarantee Schemes Directive DGSD3. The roadmap outlines 12 regulatory products to strengthen depositor protection across the EU, scheduled in three batches over the next three years, with key deliverables targeted by May 2028. It also provides a timeline for ensuring depositors are better informed, better protected, and that deposit guarantee schemes are prepared to act when needed. The roadmap links to the EBA’s efforts to enhance the EU bank crisis management framework, supporting financial stability and harmonisation of protection standards. The directive, published on 20 April 2026, introduces over 100 operational improvements based on five EBA opinions. The planned products will improve depositor rights communication, speed of repayments, cooperation between national schemes and authorities, and stress‑testing frameworks, aiming to ensure effective bank failure management without jeopardising financial stability or causing contagion.
© European Banking Authority.
Summary adapted from material on the EBA website (https://www.eba.europa.eu ).
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