EBA Strategic Priorities for 2026
The European Banking Authority (EBA) has outlined its work programme for 2026, reaffirming its core mandates in policy development, supervisory convergence, and risk analysis.
What is the EAA?
The EAA aims to modernise the legal framework around access to goods and services for individuals with disabilities or other challenges, such as hearing or vision impairments. Products and services must now be designed to ensure access and usability for individuals with disabilities, in a manner as equal as possible to those without disabilities.
As a Directive, implementation may vary across EU Member States. In Ireland, the EAA has been transposed into national law under S.I. No. 636 of 2023. If your organisation operates in multiple EU countries, it is essential to review local regulations for each jurisdiction.
Which businesses are impacted?
The EAA applies to manufacturers of products and providers of services made available in the EU, regardless of the location of their business.
There are exemptions for small businesses with 10 or fewer employees and an annual turnover under €2 million.
Industries particularly affected include:
• Consumer banking
• E-commerce providers (including those hosting third-party commerce platforms)
• Transport services
• Manufacturers of consumer devices — including ATMs, personal computers, and smartphones
What do businesses need to do?
Organisations in scope must ensure their products and services are accessible to all, which may involve technical changes, content changes and providing additional information.
Services must:
Products must:
Timelines
Although the Act came into force on 28 June 2025, there is a transitional period lasting until 28 June 2030. However, the precise scope of this period is not entirely clear.
Per S.I. No. 636 of 2023 states:
“A service provider may, for the period beginning on the date on which these Regulations apply and ending on 28 June 2030, continue to provide their services using products which were lawfully used by them to provide similar services before 28 June 2025.”
To avoid uncertainty and mitigate compliance risk, it is strongly recommended that organisations begin their EAA compliance journey immediately.
Who is regulating the EAA?
Various market surveillance and compliance authorities are tasked with enforcement. These bodies have powers including:
Fines vary by country, with the Netherlands imposing some of the highest fines with a €900,000 upper limit.
| Service area | Regulatory Authority |
|---|---|
| In-scope electronic communications services | Commission for Communications Regulation |
| Audiovisual media services | Coimisiún na Meán |
| In-scope elements of air passenger transport services including ticket terminals | Irish Aviation Authority |
| In-scope elements of bus, rail and waterborne passenger transport services including ticket terminals | National Transport Authority |
| Consumer banking | Central Bank of Ireland |
| E-books and dedicated software, and e-commerce services (including website owners) | Competition and Consumer Protection Commission |
| Answering emergency communications to the single European emergency number ‘112’ | Commission for Communications Regulation |
Note: It is not only regulators that can take action, consumers may also bring cases before the Circuit Court against non-compliant organisations.
Our team can help you understand how the EAA affects your business, conduct a detailed gap assessment and build a structured roadmap to compliance. Start your accessibility journey today to stay ahead of regulatory obligations and better serve your customers.
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