Confederación Española de Cajas de Ahorros (CECA)

EU Legislative Interests

Directive 2013/36/EU on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms. Regulation (EU) Nº 575/2013 on prudential requirements for credit institutions and investment firms. Directive 2014/59/EU establishing a framework for the recovery and resolution of credit institutions and investment firms. Directive 2014/49/UE on deposit guarantee schemes. Directive 2014/65/EU on markets in financial instruments. Regulation (EU) Nº 600/2014 on markets in financial instruments. Directive 2014/91/EU on the coordination of laws, regulations and administrative provisions relating to undertakings for collective investment in transferable securities as regards depositary functions, remuneration policies and sanctions. Directive 2014/57/EU on criminal sanctions for market abuse. Regulation (EU) Nº 596/2014 on market abuse. Regulation (EU) Nº 648/2012 on OTC derivatives, central counterparties and trade repositories. Regulation (EU) 2016/1011 on indices used as benchmarks in financial instruments and financial contracts or to measure the performance of investment funds. Regulation (EU) 2017/1129 on the prospectus to be published when securities are offered to the public or admitted to trading on a regulated market. Directive 2011/61/EU on Alternative Investment Fund Managers. Directive (EU) 2019/2162 on the issue of covered bonds and covered bond public supervision. Regulation (EU) 2017/on a general framework for securitisation and creating a specific framework for simple, transparent and standardised securitization. Regulation (EU) Nº 1286/2014 on key information documents for packaged retail and insurance-based investment products. Regulation (EU) 2015/2365 on transparency of securities financing transactions and of reuse. Directive (EU) 2016/97 on insurance distribution. Directive (EU) 2015/2366 on payment services in the internal market. Proposal for a Regulation on payment services in the internal market. Regulation (EU) 2024/886 as regards instant credit transfers in euro. Directive 2011/16/EU as regards mandatory automatic exchange of information in the field of taxation. Directive 2014/92/EU on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features. Directive 2014/17/EU on mortgage credit. Directive 2008/48/EC on credit agreements for consumers. Directive 2002/65/EC concerning the distance marketing of consumer financial services. Directive (EU) 2021/2167 of the European Parliament and of the Council of 24 November 2021 on credit servicers and credit purchasers. Directive (EU) 2017/828 as regards the encouragement of long-term shareholder engagement. Directive (EU) 2019/2161 as regards the better enforcement and modernisation of Union consumer protection rules. Directive (EU) 2020/1828 on representative actions for the protection of the collective interests of consumers. Regulation (EU) 2020/852 on the establishment of a framework to facilitate sustainable investment. Directive (EU) 2022/2464 as regards corporate sustainability reporting. Regulation (EU) 2019/2088 on sustainability‐related disclosures in the financial services sector. Directive (EU) 2024/1760 on corporate sustainability due diligence. Directive (EU) 2024/1275 on the energy performance of buildings. Digital operational resilience for the financial sector. Regulation (EU) 2023/1114 on markets in crypto-assets. Capital Markets Union. Banking Union. FinTech Action Plan. International Financial Reporting Standard. Common Consolidated Corporate Tax Base. Financial Transaction Tax. VAT: rules for financial and insurance services. Retail Investment Strategy. European Green bonds. Anti-money laundering/Countering the Financing of Terrorism framework. Savings and Investment Union. Digital Euro. Proposal for a Regulation on Financial Data Access. The subsequent amendments of the legislation abovementioned.

Communication Activities

Lista de comentarios a consultas más recientes de la Comisión Europea: - Consultation on the Proposal for a Directive of the European Parliament and of the Council amending Directive 2013/36/EU as regards supervisory powers, sanctions, third-country branches, and environmental, social and governance risks, and amending Directive 2014/59/EU. 16 February 2022 - Public consultation on strengthening the quality of corporate reporting and its enforcement. 18 February 2022 - Public consultation on the review of the Mortgage Credit Directive. 20 February 2022 - Consultation on the proposal for a Regulation of the European Parliament and of the Council amending Regulation (EU) No 575/2013 as regards requirements for credit risk, credit valuation adjustment risk, operational risk, market risk and the output floor. 23 February 2022 - Targeted consultation on improving the EU’s macroprudential framework for the banking sector. 18 March 2022. - Proposal for a Directive of the European Parliament and of the Council harmonising certain aspects of insolvency law. 17 March 2023. - Proposal for a Directive of the European Parliament and of the Council amending Directive 2014/59/EU as regards early intervention measures, conditions for resolution and financing of resolution action (CMDI package). 27 July 2023 - Proposal for a Directive of the European Parliament and of the Council amending Directive 2014/49/EU as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency (CMDI package). 27 July 2023 - Proposal for a Regulation of the European Parliament and of the Council amending Regulation (EU) No 806/2014 as regards early intervention measures, conditions for resolution and funding of resolution action (CMDI package). 27 July 2023 - Proposal for a Directive of the European Parliament and of the Council amending Directives (EU) 2009/65/EC, 2009/138/EC, 2011/61/EU, 2014/65/EU and (EU) 2016/97 as regards the Union retail investor protection rules (RIS package). 28 July 2023 - Proposal for a Regulation on the establishment of a digital euro. 17 October 2023 - Call for evidence on assessment of the energy efficiency public funding support at Union and national level, and suitability for the establishment of a dedicated mechanism at Union level. 26 February 2024 - Call for evidence on unlocking private investment in energy efficiency. 26 February 2024 - Targeted consultation assessing the adequacy of macroprudential policies for non-bank financial intermediation (NBFI). 22 November 2024 - Call for evidence on single market strategy for 2025. 31 January 2025 - Call for evidence on European Savings and Investments Union (SIU). 7 March 2025 - Call for evidence on Savings and Investment Accounts (SIA). 8 July 2025. - Delegated act establishing a portfolio framework to encourage financial institutions to increase lending volumes for energy performance renovations. 18 November 2025. - Draft Commission Delegated Regulation amending Delegated Regulation (EU) 2015/61 as regards the eligibility conditions for securitisations in the liquidity buffer of credit institutions. 15 Julio 2025 - Consultation to contribute the Defence Omnibus Simplification Proposal. 22 April 2025. - Call for evidence on the revision of the Sustainable Finance Disclosure Regulation (SFDR). 30 May 2025.

Interests Represented

Promotes their own interests or the collective interests of their members

Member Of

CECA is member of the European Savings and Retail Banking Group (ESBG) and the World Savings and Retail Banking Institute (WSBI). CECA's institutional commitments are materialised through membership of various initiatives and collaboration with national and international organisations, as well as through securing various certificates and awards. https://www.ceca.es/eng/compromisos/

Organisation Members

The members that compose CECA are credit institutions, banking and foundations foundations ordinary linked to the banking sector: https://www.ceca.es/eng/a-quien-representamos/