The EBA publishes consumer factsheet on white-labelled financial products and services
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The EBA publishes a consumer factsheet on white-labelled banking and payment products (marketed under one brand but provided by another institution), as a follow-up to its 2025 report on white labelling.
Key points
- It encourages consumers to ask who actually provides the product, whether it suits their needs, who handles complaints and how the contract can be terminated.
- It includes practical examples to help recognise white-labelling situations.
- Legal basis: Article 9 of the EBA Founding Regulation (transparency and financial education); white labelling is among the EBA's priorities for 2026.
Who is affected
Consumers; banks, payment institutions and platforms distributing white-labelled products.
Deadlines
No deadlines.
Plain-language version
The EBA, the EU authority that sets the rules for banks, has published a consumer guide on 'white-label' products: a card, account or payment service sold under a shop's or app's brand but actually provided by another company. It encourages you to ask who is really behind it, whether it fits your needs, who handles complaints and how to cancel.
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Summary produced with artificial intelligence from the official publication. It may contain errors: always check the original document.
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