European banks are running four regulatory programmes at once, and the second line has not grown
CRD VI, CRR3, DORA and the AML Single Rulebook all land on the same teams. Each one is manageable alone. Ace works the change on the ground, and RegAI Helia keeps the obligations, the evidence and the coverage in one place.
The 2026 banking landscape
Four programmes hitting their stride at the same time. The load compounds where they overlap.
CRD VI and CRR3
CRD VI has been applicable since 11 January, sharpening expectations on third-country branches, governance and ESG risk integration. CRR3 is embedded in capital planning, with the output floor and revised credit, market and operational risk approaches in live calibration.
DORA under examination
DORA has moved from build-and-test to supervisory examination. The ECB and national competent authorities are pressing on third-party concentration, ICT incident classification and digital operational resilience as a board-owned matter.
AMLA and the Single Rulebook
AMLA is operational in Frankfurt and AMLR is being interpreted. The 2027 application date is already shaping data, KYC and screening programmes today.
The layer on top
CSRD reporting in its second wave, the EBA’s ESG risk management guidelines, the AI Act’s high-risk obligations from August 2026, and a continuous tail of EBA and ECB technical standards.
Helia, the regulatory intelligence platform
Helia reads regulatory texts, structures binding obligations, and maps them to your control framework, so you know where you stand on the regulations you onboard.
What you can plan around
The outcomes we hold ourselves to, in front of the board and in front of the supervisor.
Let us take you further
Schedule a 30 min call. No slide decks. Just a practical assessment of your needs and how we can help.