Joint Board of Appeal dismisses appeal against EBA
The Joint Board of Appeal of the ESAs ruled inadmissible an appeal against the EBA concerning a bank account closure complaint and Finnish NCA handling.
The decision confirms narrow admissibility for individual appeals to the ESAs on NCA handling of account closure complaints. Banks retain primary responsibility for fair de-risking practices under national supervision.
Reinforces that account closure grievances are addressed at national level, keeping conduct and AML de-risking risks with firms.
Action Required
Note limits of ESA-level appeal routes for individual account closure complaints; ensure de-risking and account closure controls remain robust.
Clarifies escalation channels for de-risking disputes relevant to AML and access-to-accounts obligations.
Review account closure and de-risking procedures; ensure documented rationale, customer communication and complaint handling meet PAD and AML expectations.
“The Joint Board of Appeal of the ESAs issued a decision stating an appeal against the EBA is inadmissible. The appeal concerned an EBA response to a complaint on the closure of a bank account by a credit institution and its handling by the Finnish NCA.”
Published: 2026-07-16