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        <title>Financial regulations - NEWS BBVA</title>
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        <link>https://www.bbva.com/en/</link>
        <description>NEWS BBVA</description>
        <lastBuildDate>Fri, 10 Apr 2026 05:45:23 +0200</lastBuildDate>
        <language>en-US</language>
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                                <item>
                    <title>Simplifying to Compete: Redefining the EU’s Digital Framework</title>
                    <link>https://www.bbva.com/en/economy-and-finance/simplifying-to-compete-redefining-the-eus-digital-framework/</link>
                    <pubDate>Fri, 10 Apr 2026 04:15:24 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Current news]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Innovation]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1151918</guid>
                                            <description>
                            <![CDATA[In recent years, Europe has been busy developing one of the world’s most ambitious digital regulatory frameworks, covering matters such as data protection and sharing, artificial intelligence (AI), and operational resilience. The result is a robust framework, but also one that is complex and, at times, fragmented. However, since 2023—with the rise in popularity of tools such as ChatGPT—and amid heightened geopolitical tensions, there has been mounting criticism of an approach that is sometimes seen as overly regulatory and as one of the causes of the EU’s technological gap relative to other regions.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In recent years, Europe has been busy developing one of the world’s most ambitious digital regulatory frameworks, covering matters such as data protection and sharing, artificial intelligence (AI), and operational resilience. The result is a robust framework, but also one that is complex and, at times, fragmented. However, since 2023—with the rise in popularity of tools such as ChatGPT—and amid heightened geopolitical tensions, there has been mounting criticism of an approach that is sometimes seen as overly regulatory and as one of the causes of the EU’s technological gap relative to other regions.]]>
                        </content:encoded>
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                                <item>
                    <title>2026: Three Regulatory Strategies for Banking in an Increasingly Fragmented World</title>
                    <link>https://www.bbva.com/en/economy-and-finance/2026-three-regulatory-strategies-for-banking-in-an-increasingly-fragmented-world/</link>
                    <pubDate>Tue, 03 Mar 2026 05:28:02 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1144722</guid>
                                            <description>
                            <![CDATA[As is customary each year, regulatory bodies at both the global and European levels have published their annual work programs. These documents set out the various regulatory initiatives they plan to introduce in 2026, as well as those rolled over from previous years. These programs reveal that banking regulatory activity will remain intense, albeit marked by notable divergences in the approaches and objectives pursued across different geographic regions.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[As is customary each year, regulatory bodies at both the global and European levels have published their annual work programs. These documents set out the various regulatory initiatives they plan to introduce in 2026, as well as those rolled over from previous years. These programs reveal that banking regulatory activity will remain intense, albeit marked by notable divergences in the approaches and objectives pursued across different geographic regions.]]>
                        </content:encoded>
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                                <item>
                    <title>One Year of MiCA: The Market in Figures and the Challenges Ahead</title>
                    <link>https://www.bbva.com/en/economy-and-finance/one-year-of-mica-the-market-in-figures-and-the-challenges-ahead/</link>
                    <pubDate>Wed, 24 Dec 2025 05:56:46 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1137056</guid>
                                            <description>
                            <![CDATA[The European Markets in Crypto-assets Regulation (MiCA) marks its first year in full force this December, having been fully applicable since December 2024. With MiCA, the European Union has led the way in creating a legal framework for stablecoins and crypto-asset service providers.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The European Markets in Crypto-assets Regulation (MiCA) marks its first year in full force this December, having been fully applicable since December 2024. With MiCA, the European Union has led the way in creating a legal framework for stablecoins and crypto-asset service providers.]]>
                        </content:encoded>
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                                <item>
                    <title>Why do we need simpler rules?</title>
                    <link>https://www.bbva.com/en/economy-and-finance/why-do-we-need-simpler-rules/</link>
                    <pubDate>Mon, 18 Aug 2025 05:30:59 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Actualitat]]>
                            </category>
                                                    <category>
                                <![CDATA[Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1112125</guid>
                                            <description>
                            <![CDATA[“Simplification” dominates today’s European financial‑regulation debate. The new Commission has turned it into a slogan, pledging to strip away layers of complexity, align the regime with the cleaner approaches of other regions, and make the framework easier to navigate.  At present Europe resembles a car covered by multiple insurers, each tacking on new clauses over time. The result is a patchwork in which it is unclear what is actually covered or how policyholders are meant to use their coverage. It simply doesn’t work.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[“Simplification” dominates today’s European financial‑regulation debate. The new Commission has turned it into a slogan, pledging to strip away layers of complexity, align the regime with the cleaner approaches of other regions, and make the framework easier to navigate.  At present Europe resembles a car covered by multiple insurers, each tacking on new clauses over time. The result is a patchwork in which it is unclear what is actually covered or how policyholders are meant to use their coverage. It simply doesn’t work.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>BBVA comfortably surpasses its new MREL requirement</title>
                    <link>https://www.bbva.com/en/economy-and-finance/bbva-comfortably-surpasses-its-new-mrel-requirement/</link>
                    <pubDate>Thu, 12 Jun 2025 17:10:33 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Patricia Casas]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1103072</guid>
                                            <description>
                            <![CDATA[The Bank of Spain has informed BBVA of its new minimum <a href="https://www.cnmv.es/webservices/verdocumento/ver?t=%7b79a0e78c-9840-4831-84cd-40bf8e500bab%7d" target="_blank" rel="noopener">requirement for own funds and eligible liabilities (MREL)</a>, the regulatory framework that requires banks to have sufficient funds to absorb losses in case of crisis.  Starting June 12, 2025, BBVA must maintain a buffer of 23.13 percent of the total risk-weighted assets (including the parent company, BBVA S.A and its subsidiaries in Europe). With an MREL ratio of 33.20 percent at the end of March 2025, the bank already far exceeds this threshold, and also meets the additional requirements for subordination and capital buffers.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The Bank of Spain has informed BBVA of its new minimum <a href="https://www.cnmv.es/webservices/verdocumento/ver?t=%7b79a0e78c-9840-4831-84cd-40bf8e500bab%7d" target="_blank" rel="noopener">requirement for own funds and eligible liabilities (MREL)</a>, the regulatory framework that requires banks to have sufficient funds to absorb losses in case of crisis.  Starting June 12, 2025, BBVA must maintain a buffer of 23.13 percent of the total risk-weighted assets (including the parent company, BBVA S.A and its subsidiaries in Europe). With an MREL ratio of 33.20 percent at the end of March 2025, the bank already far exceeds this threshold, and also meets the additional requirements for subordination and capital buffers.]]>
                        </content:encoded>
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                                <item>
                    <title>Financial conglomerates: It really depends</title>
                    <link>https://www.bbva.com/en/economy-and-finance/financial-conglomerates-it-really-depends/</link>
                    <pubDate>Tue, 13 May 2025 04:00:58 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1095647</guid>
                                            <description>
                            <![CDATA[In recent weeks, the role of the financial conglomerate has drawn renewed attention.  Some observers argue that several European banks are seeking to expand into insurance, hoping to qualify as conglomerates and benefit from more favorable capital requirements under the so-called Danish compromise.  But does this classification always serve a bank’s interests?  The answer hinges on the bank’s business model.  For some, the fit is natural; for others, it’s like slipping into shoes that are simply too big: awkward and ill-suited to their needs.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[In recent weeks, the role of the financial conglomerate has drawn renewed attention.  Some observers argue that several European banks are seeking to expand into insurance, hoping to qualify as conglomerates and benefit from more favorable capital requirements under the so-called Danish compromise.  But does this classification always serve a bank’s interests?  The answer hinges on the bank’s business model.  For some, the fit is natural; for others, it’s like slipping into shoes that are simply too big: awkward and ill-suited to their needs.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>Launch of the European Union of Savings and Investments</title>
                    <link>https://www.bbva.com/en/economy-and-finance/launch-of-the-european-union-of-savings-and-investments/</link>
                    <pubDate>Mon, 05 May 2025 08:12:39 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1097000</guid>
                                            <description>
                            <![CDATA[The current geopolitical context, combined with the urgent need to finance the green and digital transitions in Europe, makes it increasingly necessary to unlock the full potential of the EU’s currently fragmented capital markets. The goal is to make them more efficient and better equipped to compete with more developed markets elsewhere.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The current geopolitical context, combined with the urgent need to finance the green and digital transitions in Europe, makes it increasingly necessary to unlock the full potential of the EU’s currently fragmented capital markets. The goal is to make them more efficient and better equipped to compete with more developed markets elsewhere.]]>
                        </content:encoded>
                                                        </item>
            
                                <item>
                    <title>2025: the year of competitiveness and simplification</title>
                    <link>https://www.bbva.com/en/economy-and-finance/2025-the-year-of-competitiveness-and-simplification/</link>
                    <pubDate>Thu, 03 Apr 2025 00:55:31 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1091874</guid>
                                            <description>
                            <![CDATA[Like every year, global and European regulators have published their annual work plans, in which they describe the lists of initiatives underway in the regulation areas they will prioritize in  2025.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Like every year, global and European regulators have published their annual work plans, in which they describe the lists of initiatives underway in the regulation areas they will prioritize in  2025.]]>
                        </content:encoded>
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                                <item>
                    <title>BBVA obtains approval from the Moroccan central bank to transfer control of Banco Sabadell's branch</title>
                    <link>https://www.bbva.com/en/bbva-offer-sabadell/bbva-obtains-approval-from-the-moroccan-central-bank-to-transfer-control-of-banco-sabadells-branch/</link>
                    <pubDate>Wed, 19 Mar 2025 09:35:02 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[david.corral]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial system]]>
                            </category>
                                                    <category>
                                <![CDATA[Takeover bid Banco Sabadell]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=opa_sabadell&#038;p=1090686</guid>
                                            <description>
                            <![CDATA[The Central Bank of Morocco has given the green light for the indirect change in control of Banco Sabadell's branch in the country, as part of the transaction with BBVA. Therefore, BBVA now has all the authorizations needed from international regulators to complete the transaction.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[The Central Bank of Morocco has given the green light for the indirect change in control of Banco Sabadell's branch in the country, as part of the transaction with BBVA. Therefore, BBVA now has all the authorizations needed from international regulators to complete the transaction.]]>
                        </content:encoded>
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                                <item>
                    <title>Achievements and challenges following a decade of European resolution</title>
                    <link>https://www.bbva.com/en/economy-and-finance/achievements-and-challenges-following-a-decade-of-european-resolution/</link>
                    <pubDate>Tue, 25 Feb 2025 06:18:58 +0000</pubDate>
                    <dc:creator>
                        <![CDATA[Javier Díaz Jiménez]]>
                    </dc:creator>
                                                                        <category>
                                <![CDATA[Economy and Finance]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial markets and monetary economics]]>
                            </category>
                                                    <category>
                                <![CDATA[Financial regulations]]>
                            </category>
                                                                <guid isPermaLink="false">https://www.bbva.com/?post_type=economyfinance&#038;p=1086037</guid>
                                            <description>
                            <![CDATA[Ten years have passed since the implementation of a supervisory system for banks in Europe to help them absorb losses in the event of a crisis so that the state doesn't have to bail them out. Needless to say, much progress has been made in this last decade: banks have become significantly more resilient, are compliant with MREL requirements, and have designed and tested recovery and resolution plans. Moreover, Europe has gained some experience in actually implementing the resolution framework following the failures of Banco Popular and Sberbank.]]>
                        </description>
                        <content:encoded>
                            <![CDATA[Ten years have passed since the implementation of a supervisory system for banks in Europe to help them absorb losses in the event of a crisis so that the state doesn't have to bail them out. Needless to say, much progress has been made in this last decade: banks have become significantly more resilient, are compliant with MREL requirements, and have designed and tested recovery and resolution plans. Moreover, Europe has gained some experience in actually implementing the resolution framework following the failures of Banco Popular and Sberbank.]]>
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