Banking Regulation 2026

The financial sector in Germany and in the EU has undergone significant changes in recent months and years and the regulatory environment continues to evolve. Increased digitalisation in the financial sector has found its reflection in several recent regulations including DORA, MiCAR as well as a comprehensive AML package. While that trend of tightening the financial regulatory regime has continued in the past few years, a divergent development has emerged recently that emphasizes the principle of proportionality and deregulation.

Dr Jens H. Kunz and Klaudyna Lichnowska from our practice group Financial Services Regulation worked together with Global Legal Insights (GLI) and contributed the German law chapter to the multijurisdictional compendium “Banking Regulation 2026”. The contribution outlines the financial regulatory architecture in Germany, including banking governance, internal controls and bank capital requirements. It also addresses key regulatory developments in the financial sector, including on digitalisation, crypto assets, artificial intelligence, digital operational resilience/DORA and ESG/sustainable finance.

Do you have questions? Please contact: Dr Jens H. Kunz or Klaudyna Lichnowska