European Association of Co-operative Banks

EACB · Trade and business associations · BE

Kategorija
Trade and business associations
Būstinė
Brussels BE
Registruota
2009-01-12
Deklaruotos metinės išlaidos
1 750 000–1 999 999 € (pačios deklaruota)
Svetainė
http://www.eacb.coop
Skaidrumo registras
4172526951-19 ↗
Susitikimai su EK
Pateiktos pozicijos
Pozicijos dokumentai
0
Paminėjimai spaudoje
Sumą deklaruoja pati organizacija Skaidrumo registre; institucijos jos netikrina.

Susitikimai pagal metus

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Šaltinis: Europos Komisijos skelbiami susitikimai, sutapatinti pagal skaidrumo registro numerį. n = 53 susitikimų; x — metai pagal susitikimo datą, y — susitikimų skaičius.

Susitikimai su Europos Komisija

Skelbiami tik susitikimai su Komisijos nariais, jų kabinetais ir generaliniais direktoriais. Susitikimai žemesniu lygiu ir daugelis kontaktų Parlamente bei Taryboje į registrą nepatenka.
DataPriėmėTema
2026-09-02Cabinet of Commissioner Maria Luís AlbuquerqueRegulatory developments relevant for cooperative banks
2026-07-06Financial Stability, Financial Services and Capital Markets UnionDefence financing
2026-06-12Communications Networks, Content and TechnologyProposal for the Cloud and AI Development Act
2026-04-14Cabinet of Commissioner Christophe HansenExchange of views on the role of EACB and its members in financing agriculture
2026-03-18Financial Stability, Financial Services and Capital Markets UnionFinancial services
2025-12-18Cabinet of Commissioner Christophe HansenFinancing EU agriculture
2025-12-12Communications Networks, Content and TechnologyData Union Strategy, data aspects of the Digital Omnibus
2025-11-12Communications Networks, Content and TechnologyInitial Exchange and Identification of Common Themes with EACB
2025-10-20Justice and ConsumersExchange on ECB guide, EBA guidelines and SRD
2025-10-14Cabinet of Commissioner Jessika RoswallNature Credits
2025-10-09Financial Stability, Financial Services and Capital Markets UnionImplementation of two obligations for payment service providers under the Instant Payments Regulation
2025-10-09Financial Stability, Financial Services and Capital Markets UnionImplementation of two obligations for payment service providers under the Instant Payments Regulation
2025-10-09Financial Stability, Financial Services and Capital Markets UnionImplementation of two obligations for payment service providers under the Instant Payments Regulation
2025-09-09Financial Stability, Financial Services and Capital Markets UnionExchange of views on the proposal for a Regulation on a framework for Financial Data Access (FIDA), digital euro, retail investment strategy (RIS) and the omnibus proposal.
2025-07-14Cabinet of Commissioner Christophe HansenExchange of views on the role of cooperative banks in agricultural financing
2025-06-11Cabinet of Commissioner Maria Luís AlbuquerqueExchange on regulatory files
2025-06-11Cabinet of Commissioner Maria Luís AlbuquerqueExchange on regulatory files
2025-05-14Financial Stability, Financial Services and Capital Markets UnionFinancial data access framework (FIDA)
2025-04-22Cabinet of Commissioner Valdis DombrovskisFIDA
2025-02-20Cabinet of Commissioner Maria Luís AlbuquerqueMeeting with the European Association of Co-operative Banks on regulatory developments
2025-02-20Cabinet of Commissioner Maria Luís AlbuquerqueMeeting with the European Association of Co-operative Banks on regulatory developments
2025-02-17Financial Stability, Financial Services and Capital Markets UnionTo promote the SIU, the EACB proposes simplified reporting requirements, and a simple, low-risk investment product. They propose no entrance fees to encourage more people to start investing and support a review of the…
2025-02-11Cabinet of Commissioner Maria Luís AlbuquerqueSF and Sustainability Omnibus
2025-02-11Cabinet of Commissioner Maria Luís AlbuquerqueSF and Sustainability Omnibus
2024-11-13Financial Stability, Financial Services and Capital Markets Union…outlook for 2025 and prospective priorities
2024-10-18Cabinet of Executive Vice-President Valdis DombrovskisDraghi and Letta reports
2024-07-08Cabinet of Executive Vice-President Valdis Dombrovskis…sustainable finance, digital finance, co-operative banks
2024-04-25Cabinet of Executive Vice-President Valdis DombrovskisCMU, Competitiveness
2024-03-20Cabinet of Commissioner Wopke HoekstraAn open discussion on the new business models for farmers on a transition to a more sustainable agriculture and the role cooperative banks can play in the financing needs of the farming sector
2024-01-22Cabinet of President Ursula von der LeyenAGRI Dialogue
2023-07-18Cabinet of Commissioner Mairead McguinnessDistribution of Retail financial products
2023-07-18Cabinet of Commissioner Mairead McguinnessDistribution of Retail financial products
2023-07-18Cabinet of Commissioner Mairead McguinnessDistribution of Retail financial products
2023-04-27Cabinet of Executive Vice-President Valdis Dombrovskis…digital Euro
2023-03-28Cabinet of Commissioner Mairead McguinnessRound-Table on Digital Euro (with EVP Dombrovskis and DG FISMA)
2023-03-28Cabinet of Commissioner Mairead McguinnessRound-Table on Digital Euro (with EVP Dombrovskis and DG FISMA)
2023-03-28Cabinet of Commissioner Mairead McguinnessRound-Table on Digital Euro (with EVP Dombrovskis and DG FISMA)
2023-03-15Financial Stability, Financial Services and Capital Markets UnionEU economy and Basel reforms
2022-09-12Financial Stability, Financial Services and Capital Markets UnionCMDI
2022-07-19Cabinet of Commissioner Mairead McguinnessBanking Union, Banking Package and Digital Euro.
2022-07-07Cabinet of Executive Vice-President Valdis DombrovskisBanking regulation
2021-09-22Cabinet of Executive Vice-President Frans TimmermansCapital requirements and green transition
2021-09-22Cabinet of Executive Vice-President Frans TimmermansCapital requirements and green transition
2021-09-03Financial Stability, Financial Services and Capital Markets UnionBasel III
2021-06-18Cabinet of Executive Vice-President Valdis DombrovskisBanking Union, CMU Basel III Digital finance Sustainable Finance
2021-04-13Cabinet of Commissioner Mairead McguinnessBasel 111 Corporate Management Covid-19 & EU response Banking Union
2021-04-13Cabinet of Commissioner Mairead McguinnessBasel 111 Corporate Management Covid-19 & EU response Banking Union
2021-03-16Cabinet of Commissioner Mairead McguinnessPreparation of Commissioner McGuinness at EACB Board Meeting
2020-05-28Cabinet of Executive Vice-President Valdis DombrovskisCOVID-19 relief measures
2020-05-28Cabinet of Executive Vice-President Valdis DombrovskisCOVID-19 relief measures
2020-05-28Cabinet of Executive Vice-President Valdis DombrovskisCOVID-19 relief measures
2020-05-14Cabinet of Executive Vice-President Valdis DombrovskisRoundtables with Stakeholders; Capital Requirements Regulation
2016-10-04Financial Stability, Financial Services and Capital Markets UnionReview of Basel 3, CRR review, Leverage ratio, EDIS

Ką pateikė viešoms konsultacijoms

2026-02-10 · EU rules on administrative cooperation - recast ↗ originalus šaltinis
The European Association of Co-operative Banks (EACB) welcomes the opportunity to comment on the European Commission's call for evidence on the recast of EU rules on administrative cooperation in the field of taxation (DAC). On DAC consolidated text: In our opinion, consolidating DAC 1 to 9 does not address the objective of reducing administrative burdens. DAC 1 to 9 have already been transposed into national law. We therefore cannot see any practical benefit for those applying the law in consolidating the EU legislation. We think that the recognised overlap between DAC 4 and DAC 9 should be addressed in order to avoid bureaucratic costs. As banks, we do not take a position on DAC 7 as it…
2025-09-10 · Simplification of administrative burdens in environmental legislation ↗ originalus šaltinis
The European Association of Co-operative Banks welcomes the ambitious environmental and sustainability agenda of the European Union. Our members are deeply committed to supporting the European Green Deal and financing the transition towards a climate-neutral and sustainable economy. However, the rapid expansion of EU environmental legislation over the past decade has created increasing complexity, overlap, and uncertainty. While the objectives are laudable, the cumulative effect of multiple directives, regulations, and implementing rules risks placing disproportionate burdens on financial institutions and their clients, particularly small and medium-sized enterprises (SMEs). Complexity can…
2023-04-03 · VAT in the Digital Age ↗ originalus šaltinis
We appreciate that in the current proposal for a Directive, Article 272(1)(c) of VAT Directive 2006/112/EC exempting taxable persons carrying out only supplies of goods or of services remains unchanged. However, for the financial sector the proposal could be optimised by amending Article 272(1)(c) in such a manner that: - it is not an option for Member States but rather a mandatory exclusion; - it does also apply to tax payers that perform both taxable and exempt supplies, naturally limiting the exclusion to those VAT exempt supplies only; - the application can be based on the knowledge of the tax payer about the scope of the VAT exemption in the Member State of its own establishment, and…
2021-05-03 · Review of the VAT rules for financial and insurance services ↗ originalus šaltinis

Ką rašo savo pozicijos dokumentuose

Ištraukos iš organizacijos pačios įkeltų dokumentų, be trumpinimų ir perpasakojimų.
VAT in the Digital Age · 2 p.

EUROPEAN ASSOCIATION OF CO-OPERATIVE BANKS The Cooperative Difference : Sustainability, Proximity, Governance The voice of 2.700 local and retail banks, 89 million members, 227 million customers in Europe EACB AISBL – Secretariat • Rue de l’Industrie 26-38 • B-1040 Brussels Tel: (+32 2) 230 11 24 • Enterprise 0896.081.149 • lobbying register 4172526951-19 www.eacb.coop • e-mail : [email protected] Brussels, 3 April 2023 EACB answer to the European Commission’s proposal for a Council Directive as regards VAT rules for the digital age The EACB appreciates the opportunity to comment on the European Commission’s proposals for a Council Directive amending Directive 2006/112/EC as regards value-added tax (VAT) rules for the digital age and a Council Regulation amending Regulation (EU) No 904/2010 as regards the VAT administrative cooperation arrangements needed for the digital age.

Regulation (EU) No 904/2010 as regards the VAT administrative cooperation arrangements needed for the digital age. The comments below regard the proposed introduction of Digital Reporting Requirements (DRR) to modernise VAT reporting obligations. Carve out of VAT exempt supplies In our response to the Commission’s public consultation of May 2022, EACB members crucially underlined the need to carve out of VAT exempt supplies from the DRR. In this respect, we appreciate that in the current proposal for a Directive, Article 272(1)(c) of VAT Directive 2006/112/EC exempting taxable persons carrying out only supplies of goods or of services remains unchanged. Article 272(1)(c) gives Member States an option to exclude tax payers that provide VAT exempt supplies from the EC Sales Listing obligations.

Member States an option to exclude tax payers that provide VAT exempt supplies from the EC Sales Listing obligations. Under the DRR, that are a replacement of the current Sales Listing obligations, this option is maintained. However, for the financial sector the proposal could be optimised by amending Article 272(1)(c) in such a manner that: • it is not an option for Member States but rather a mandatory exclusion; • it does also apply to tax payers that perform both taxable and exempt supplies, naturally limiting the exclusion to those VAT exempt supplies only; • the application can be based on the knowledge of the tax payer about the scope of the VAT exemption in the Member State of its own establishment, and thus not on the basis of a Member State in which the client / recipient of the supply is established.

…and thus not on the basis of a Member State in which the client / recipient of the supply is established. This is because a tax payer cannot know the precise scope of VAT exemptions, which in reality is not fully harmonised across the EU. We believe that the above proposed amendments of Article 272(1)(c) would fit in the overall framework of the DRR as part of the proposals for a Directive / Regulation on VAT rules for the digital age. After all, the DRR’s primary objective is to fight VAT fraud and thus it should focus on reporting relevant information about transactions that are subject to VAT, not VAT exempt supplies. Moreover, should the DRR also include VAT exempt supplies, this would only give rise to mismatches between reported data and VAT filings.

DRR also include VAT exempt supplies, this would only give rise to mismatches between reported data and VAT filings. Ultimately, for VAT exempt supplies, the recipients of goods / services will not apply the local VAT reverse charge mechanism and, as such, they will not include the supplies in their VAT returns. If the suppliers would still include them in their DRR, this would likely give rise to questions about data that cannot be reconciled. Electronic invoices Further to that, we welcome the proposal in Article 218 that the electronic invoices are allowed to be issued according to an already existing European standard on electronic invoicing adopted by the Commission Implementing Decision (EU) 2017/1870 according to the request laid down in Ref.

…invoicing adopted by the Commission Implementing Decision (EU) 2017/1870 according to the request laid down in Ref. Ares(2023)2393597 - 03/04/2023 EUROPEAN ASSOCIATION OF CO-OPERATIVE BANKS The Cooperative Difference : Sustainability, Proximity, Governance 2 Directive 2014/55/EU. Moreover, it is appropriate that a draft Directive proposes harmonised reporting systems for both domestic and intra-EU transactions. Data related issues However, there is a number of issues that the EACB encourages the European Commission to consider in its future deliberations on the proposal for a Directive as regards VAT rules for the digital age. First of all, we would like to reiterate our concern expressed by the EACB during the 2022 public consultation stage with regards to the amount of data that is required.

…expressed by the EACB during the 2022 public consultation stage with regards to the amount of data that is required. We firmly believe that the reporting obligations have to be reduced to data that is needed to fight tax fraud. Data security has to be ensured and the provisions must clearly state for which purpose the vast volume of data received by the Member States is collected, including how the data can be examined by tax authorities. When it comes to the proposed time limit for the issuance of invoices of two working days after the chargeable event takes place, EACB members are of the opinion that this deadline is too short and unlikely to be feasible for companies, especially for small entities. Further to that, in our understanding of Article 262 of the current proposal for a Directive the supplier as well as the recipient of a service have to submit the invoice data.

…current proposal for a Directive the supplier as well as the recipient of a service have to submit the invoice data. However, it is unclear to us whether the recipient has to audit the invoice data that he has received. Besides the recipient’s verification obligations of an electronic invoice, clear instructions should be provided for cases when a mistake has been identified, for example a wrong number of the supplied goods. Moreover, as regards the content of invoices as stipulated in Article 226, clarity should be provided on what data needs to be reported in cases when no payment has been stipulated, for example in case of an exchange of services.

…data needs to be reported in cases when no payment has been stipulated, for example in case of an exchange of services. Concerning the omission of the possibility to submit a summary invoice for several separate supplies of goods or services instead of many separate invoices, we urge the Commission to reevaluate the deletion of Article 223 of Directive 2014/55/EU with the view to increase the efficiency. Finally, clarification needs to be inserted as regards the situations when invoices are drawn up by the recipient of goods or services instead of a taxable person, if there is a prior agreement between the two parties. Contact: For further information or questions on this paper, please contact: - Mr. Volker Heegemann, Head of Department ([email protected]) - Ms. Maryia Sulik, Senior Adviser ([email protected])

originalus šaltinis (PDF) ↗

Kokias ES temas nurodo sekanti

- Financial Services
- Banking Regulation and Supervision
- Recovery, Resolution and Deposit Protection
- Anti Money Laundering
- Financial Markets
- Sustainable Finance and Sustainability Reporting
- Agri-Finance
- Payments and Digital
- Consumer Policy
- Company Law and Corporate Governance
- Accounting and Taxation