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Seit dem 1. Juli 2026 dürfen Neobroker das Weiterleiten von Kundenaufträgen nicht mehr vergüten lassen. Deutschland war das einzige EU-Land mit Ausnahme – jetzt muss das Gratis-Modell umgebaut werden.
Erstmals nimmt die deutsche Finanzaufsicht Verbraucherrisiken in ihre jährlichen Aufsichtsschwerpunkte auf — kreditfinanzierter Konsum und „Buy now, pay later" stehen dabei ganz oben.
Das Bundesbank-Symposium 2026 brachte rund 800 Bankvertreter nach Frankfurt, um über Deregulierung zu debattieren. Die Botschaft: proportionale Vereinfachung ja, niedrigere Kapitaluntergrenzen nein – und Stablecoins bleiben strukturell gefährlich.
Die stille Q3-Bestätigung der Finanzagentur verbirgt das eigentliche Signal: ein Finanzierungsplan 2026, der um Verteidigung und einen 500-Mrd.-€-Fonds herum gebaut ist – und das lange Ende zahlt nun dafür.
Die eigene Studie der BaFin ergab, dass drei von vier Privatanlegern mit Turbo-Zertifikaten Geld verloren — 3,4 Milliarden Euro in fünf Jahren. Die in diesem Monat in Kraft getretene Produktintervention übernimmt das CFD-Drehbuch: ein Risikohinweis, ein Wissenstest, keine Boni. Den Hebel, der den Schaden anrichtet, lässt sie unangetastet.
The EU's new anti-money-laundering supervisor is staffing up inside the MesseTurm, but direct oversight of banks does not begin until 2028 — and for German institutions the work that matters now is the rulebook being written, not the supervisor being built.
The April 2025 buffer cut was justified on vanished overvaluations — a backward-looking stock measure. The first granular loan data, arriving a year later, reads the flow, and the flow shows a stretched tail.
The EU Listing Act is in force, Germany already lifted its managers'-transactions threshold to the ceiling, and the signal traders watched is about to go quieter.
BaFin is folding AI into DORA's ICT-risk regime while becoming Germany's AI Act market-surveillance authority for high-risk finance AI — one desk, two rulebooks, the same evidence.
BaFin, BNetzA and German data protection authorities all start asking for evidence of the same AI deployment on 2 August — and none of the four parallel regimes is designed to read the others' file.
Germany's regulator is turning private-debt and commercial-real-estate exposure into a named 2026 inspection workload, not another watch-list item.
Bundesbank and BaFin are stripping complexity from Germany's bank risk-management rules, but DORA and IT outsourcing keep the evidence burden high.
The ECB is preparing a bank-wide AI cyber resilience letter, turning frontier-model risk into a live governance test for German lenders under DORA.
Germany's insurance supervisor is treating AI adoption as a governance, cyber and customer-trust problem before it becomes a full AI Act enforcement file.
The first DORA critical-provider list puts Deutsche Telekom and SAP inside direct EU oversight, creating a second ICT-risk layer above BaFin for German banks.
Germany's first granular housing-loan dataset shows new originations clustering at the top of the leverage ladder — and gives the FSC a macroprudential lever it never previously had.
BMF and BaFin have made operational resilience a 2026 supervisory focus, and the cyber-risk file now explicitly includes AI-enabled attacks.
BaFin and Bundesbank have put ICT resilience, outsourcing concentration and cyber risk into the 2026 supervisory programme, while BMF now treats AI-enabled attacks as part of the financial-security file.
Germany's deposit-pillar bank is moving regulated crypto trading inside the default banking app for 50 million customers — alongside a parallel rollout from the cooperative pillar.
The ECB is running its 2026 thematic test as a reverse stress test on geopolitical risk — methodology, not capital, is the news for Germany's SSM banks.
BaFin is redesigning how it inspects bank IT systems — shorter, repeatable IT spotlight reviews that match the pace AI attackers already operate at.
German financial firms now run two regulatory streams through the same evidence engine, and the work is failing at integration points, not interpretation.
Germany's cyber agency has given banks and insurers a finance-specific AI test catalogue, making compliance less about policy intent and more about evidence.
Bundesbank and BaFin’s 2026 priorities make governance, data quality and IT security a single supervisory test for German banks.
