Últimas publicaciones de BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) con tipo, impacto, fechas y verificaciones a considerar, leídas de la fuente oficial cada 15 minutos.
Últimas publicaciones
BaFin · Declaración · · Bajo
„Operation Herakles“: Schlag gegen Cyberkriminelle
BaFin, together with the Karlsruhe Cybercrime Centre, the Baden-Württemberg State Criminal Police Office, the Federal Network Agency and the Federal Criminal Police Office, reports on the further results of "Operation Herakles" against cyber investment fraud. Within three months 9,304 German phone numbers used for cyber trading fraud were switched off, bringing the total since the start of the operation to 13,888. The Federal Network Agency took supervisory measures against telecom companies, requiring them to strengthen compliance checks on distribution partners.
Verificaciones a considerar
Check whether customer communication and onboarding processes include warnings about cyber trading fraud and verification of a provider's authorisation.
Review whether controls on identity documents and account access data are consistent with the consumer protection advice published in the release.
LSI-Stresstest 2026: Banken und Sparkassen mit robustem Kapitalpolster
BaFin and Deutsche Bundesbank published the results of the 2026 stress test for less significant institutions (LSIs) and a parallel survey of 1,113 banks and savings banks. In the severe scenario, the aggregate CET1 ratio of LSIs would fall by about 3.8 percentage points to 14.6%, and several dozen institutions could fall below their capital requirements. The publication also states that from now on only institutions whose stressed ratios fall below Total SREP Capital Requirements plus a 500 basis point buffer will receive a Pillar 2 Guidance recommendation.
Verificaciones a considerar
Review whether your institution's stressed capital ratios would fall below Total SREP Capital Requirements plus 500 basis points under the adverse scenario.
Check the planned capital ratios and capital planning against the supervisory expectation of cautious business and capital planning stated in the publication.
BaFin, speaking as chair of a Bonn traffic task force with other large employers and institutions, publishes a press release calling for faster and more pragmatic action on traffic problems in Bonn. The statement concerns the regional mobility situation and infrastructure, not supervisory rules for financial intermediaries.
Bafin stellt Entschädigungsfall für deutsche Zweigstelle der Bank Sepah-Iran fest
BaFin has determined the compensation case (Entschädigungsfall) for the Frankfurt branch of Bank Sepah-Iran, a legally dependent third-country branch of Bank Sepah in Tehran, which can no longer repay deposits. The Amtsgericht Frankfurt am Main opened insolvency proceedings on 10 September 2026 and appointed Lucas Flöther as insolvency administrator. The publication concerns deposits protected under the Einlagensicherungsgesetz, with the Entschädigungseinrichtung deutscher Banken GmbH (EdB) handling claims up to 100,000 euro, and states that the branch has no access to European payment transactions due to EU sanctions against Bank Sepah.
Verificaciones a considerar
Check whether any institution has exposure to or correspondent relationships with Bank Sepah or its Frankfurt branch.
Review whether the deposit protection information for affected or similar clients is current.
BaFin press release announcing that it takes over market surveillance of AI systems used in direct connection with regulated financial activities, following a German law implementing the EU AI Regulation that entered into force on 29 July 2026. The new competence covers credit institutions, insurers and other financial companies under BaFin supervision, including checks on prohibited practices, transparency duties and high-risk AI systems.
Fechas en el texto: 2025-02-02 Prohibited AI practices already apply, including systems that collect and evaluate sensitive personal information leading to unjustified disadvantage. · 2026-08-02 First transparency obligations of the EU AI Regulation apply. · 2027-12-02 Requirements for high-risk AI systems apply.
Verificaciones a considerar
Check whether AI systems used in direct connection with regulated financial activities fall within BaFin's new market surveillance scope.
Review whether customer-facing AI systems such as chatbots meet the transparency obligations that apply from 2 August 2026.
Review high-risk AI uses mentioned in the text, such as credit assessment and life and health insurance risk assessment, against the requirements that apply from 2 December 2027.
Bafin: Stabilität der Finanzbranche und Verbraucherschutz haben den gleichen Stellenwert
BaFin's president states at the annual press conference that consumer protection and financial stability carry equal weight in supervision. The press release covers cyber risk, private debt and ELTIF distribution to retail investors, residential mortgage lending, and action against unauthorised business, and refers to the 2025 annual report.
Verificaciones a considerar
Check whether IT and cyber-risk controls can close vulnerabilities quickly, given the supervisor's stated focus on this area.
Review exposure to private debt and alternative investments and the related risk management, as flagged by BaFin.
Review the share of low-collateralised residential mortgage lending in the portfolio against the supervisor's stated concern.
Ausschuss für Finanzstabilität: Mögliche Risiken bei Neufinanzierungen von Wohnimmobilien
The Financial Stability Committee (AFS) published a press release on 11 May 2026 warning of possible new risks in the German residential property market. It is the first time the AFS used the Bundesbank's residential real estate financing survey (WIFSta) for this assessment. The release concerns lenders financing residential property, as 14 percent of new loans in Q4 of the previous year had a loan amount exceeding the property value.
Verificaciones a considerar
Check the share of new residential loans where the loan amount exceeds the property value in your own lending portfolio.
Review collateral valuation and loan-to-value practices for residential mortgage lending in light of the AFS assessment.
Gemeinsamer Einsatz zur Bekämpfung der internationalen Geldwäsche
BaFin participated with prosecutors, police, customs, the FIU and tax investigators in a joint operation against an international money laundering network using shell companies. The press release reports searches at more than 20 residential and business addresses in Brandenburg, Berlin and Saxony, one main suspect arrested, and more than 500 account freezes.
Verificaciones a considerar
Check whether your AML monitoring covers transactions linked to shell company networks and multi-account structures.
Review procedures for handling account freeze and seizure requests from authorities.
Risiken im Fokus 2026: „Das Risiko steigt, dass die Finanzstabilität einen Härtetest bestehen muss“
BaFin published its annual Risiken im Fokus 2026 report, which identifies six financial market risks, three trends (digitalisation, sustainability, geopolitical shifts) and, for the first time, three top risks directly affecting consumers. The report highlights risks such as credit risk from rising insolvencies, interconnections with private-debt funds, buy-now-pay-later and small consumer loans, and crypto investments by retail investors.
Verificaciones a considerar
Review exposure to credit risk and non-performing loans in the light of the report's warnings on rising corporate insolvencies.
Check whether exposures to private-debt funds and non-bank financial intermediaries are identified and monitored.
Consider whether consumer-facing products such as buy-now-pay-later or life insurance with high costs are reflected in internal risk assessments.
„Operation Herakles“: Schlag gegen Cyberkriminelle
Operation Herakles: Erneuter Schlag gegen die internationale Cyber-Kriminalität Über 3.500 von Cyberkriminellen genutzte Rufnummern abgeschaltet Erfolgreiche Zusammenarbeit von Cybercrime-Zentrum, Landeskriminalamt Baden-Württemberg und BaFin zum Schutz von Verbraucherinnen und Verbrauchern vor Betrug wird fortgesetzt.