The Joint Committee of the European Supervisory Authorities (that is, the European Banking Authority, the European Securities and Markets Authority and the European Insurance and Occupational Pensions Authority) has published its 2019 Work Programme. EIOPA will Chair the Joint Committee in 2019. The Work Programme provides details of the Joint Committee's key workstreams for 2019.

The Joint Committee plans a range of outputs in the following areas:

1. Consumer protection and financial innovation. This includes: (a) planned technical advice and guidance on Packaged Retail Insurance-based Investment Products; (b) potential work on technical standards on the European Commission proposal for a Regulation on disclosures on sustainable investments; (c) input in to the European Commission's FinTech Action Plan; (d) a Joint Report following assessment of the implementation, by the institutions in the securities, banking and insurance sectors, of complaints-handling guidelines published by each of the ESAs; and (e) recommendations on how national regulators may use behavioural finance findings for supervisory purposes, to strengthen consumer protection.
2. Cross-sectoral risk analysis and assessment. The Joint Committee will publish its semi-annual Joint Report on Risks and Vulnerabilities to financial stability.
3. Anti-money laundering/counter-terrorist financing. The Joint Committee will continue to provide a forum for consideration of emerging risks and sharing information and good practice and will focus mainly in 2019 on the implementation of aspects of the EU AML Roadmap. This includes: (a) updating Joint Guidelines on money-laundering and terrorist financing risk factors; (b) own-initiative Guidelines for enhancing collaboration and cooperation between national regulators; (c) review and update of existing guidelines and technical standards where necessary; and (d) developing an enhanced framework for cooperation between AML/CTF and prudential supervisors.
4. Financial conglomerates. The Joint Committee will continue its work on the effective supplementary supervision of financial conglomerates, including publishing an updated list of identified financial conglomerates and continuing work on the development of technical standards for various reporting formats.
5. Securitization. The Joint Committee will work in 2019 on new mandates under the Securitization Regulation, which amend certain provisions of the European Market Infrastructure Regulation. It expects to deliver a range of outputs including Opinions, Joint Positions, Q&As, and reports and responses to the European Commission.

View the 2019 Work Programme.