12th Joint ESA's Consumer Protection Day
Building a Framework for Efficient and Safe Financial Services
The European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA), and the European Securities and Markets Authority (ESMA) present their 12th Consumer Protection Day on November 5, 2025. This year's event focuses on "Building a framework for more efficient, simpler and safe financial services for consumers," bringing together thought leaders from consumer and investor organizations, competent authorities, EU institutions, academics, and key market participants from across the European Union.
Event Focus
The Joint ESAs Consumer Protection Day provides a platform for discussing issues of EU-wide relevance in consumer protection within financial services. As financial markets evolve and digital transformation accelerates, ensuring adequate consumer protection while promoting efficiency and simplicity in financial services delivery remains a critical regulatory priority. This event addresses how regulatory frameworks can better support positive consumer outcomes while adapting to emerging challenges in the digital financial landscape.
Key Discussion Areas
The program features keynote speakers from the European Commission and European Parliament, followed by three expert panel discussions:
• Customer Journey Simplification: Examining how regulation can better support good consumer outcomes through streamlined processes and clearer requirements
• Fraud and Scams Prevention: Staying ahead of fraud and scams in the digital era through enhanced protection mechanisms and supervisory approaches
• Crypto Assets and Protection: Exploring crypto investments, the Markets in Crypto-Assets Regulation (MiCA), and consumer protection considerations in digital asset markets
Who Should Attend
This event is designed for consumer and investor protection advocates, competent authorities responsible for financial services supervision, EU institutional representatives, academic researchers studying consumer protection issues, and market participants involved in delivering financial services to consumers across the European Union. The program facilitates dialogue between regulatory authorities, industry stakeholders, and consumer representatives on advancing protection frameworks.
What to Expect
Participants will engage in substantive discussions on how European financial services regulation can evolve to better serve consumers while maintaining market integrity and financial stability. The event provides opportunities to hear directly from senior policymakers and regulatory officials while examining practical approaches to addressing contemporary consumer protection challenges including digital fraud, regulatory complexity, and emerging asset classes.