A filing date on November 11, 2026
November 11, 2026 is a deadline at the European Banking Authority. Its MiCA supervision page sets that day for issuers of asset-referenced and e-money tokens to send in their third-quarter reports, three weeks after crypto-asset service providers pass their own figures to those issuers on October 21. The cycle repeats every quarter.
Issuers file through a shared technical platform run by the agency. According to the page, the data support, among other things, the assessment of whether a token is significant, and that assessment is where the agency’s crypto work begins.
Created in 2010, moved to Paris in 2019
Regulation (EU) No 1093/2010, adopted on November 24, 2010, set up the authority and dated its start to January 1, 2011. It is one of three European supervisory authorities, alongside ESMA for securities markets and EIOPA for insurance and pensions, and they sit in a wider system with the European Systemic Risk Board.
The 2010 text placed its seat in London. After the UK’s withdrawal notice of March 29, 2017, the other 27 member states chose Paris, and Regulation (EU) 2018/1717 moved the seat with effect from March 30, 2019.
Its main job is the rulebook. The founding text tasks it with “high-quality common regulatory and supervisory standards and practices,” mostly through guidelines and draft technical standards. In that text, the voting members of its Board of Supervisors are the heads of the national banking supervisors, and the European Central Bank holds a seat without a vote.
The MiCA role
MiCA handed the agency direct supervision of individual crypto issuers. Articles 43 and 56 make it responsible for classifying asset-referenced tokens and e-money tokens as significant, and under Article 117 the issuer of a significant asset-referenced token is supervised by the EBA.
E-money tokens are shared. For a significant token issued by an electronic money institution, the EBA checks the extra rules on matters such as liquidity and own funds, and the national authority keeps the rest. The agency also chairs a supervisory college for each such issuer (Article 119) and charges these issuers supervisory fees (Article 137).
Fines are set as a share of turnover. Article 131 allows up to 12.5% of annual turnover for an issuer of a significant asset-referenced token and up to 10% for one of a significant e-money token. The first significant e-money token was USDC, classified on October 14, 2026, with the EBA’s share of supervision starting on November 12, 2026, according to the agency’s press release.
Where you see it
Most people meet the EBA through its registers. Its supervision page says it keeps the public register of payment institutions and electronic money institutions under the EU’s payment services directive, and a register of credit institutions. The register of token issuers under MiCA belongs to ESMA, not to the EBA.
Its name also comes up in the EU’s crypto Travel Rule. Article 36 of Regulation (EU) 2023/1113, the law behind the EU’s Travel Rule for crypto, told the EBA to issue guidelines for crypto-asset service providers on Articles 14 to 17 and 19 to 22 by June 30, 2024.
Not the other EBA
An easy mix-up is with a private body. The Euro Banking Association, also called the EBA, says on its own site that it was founded in 1985 by 18 commercial banks and the European Investment Bank. It handed its payment systems, EURO1, STEP1 and STEP2, to a company named EBA CLEARING, whose shareholder page listed 48 banks on November 11, 2026. Neither appears among the bodies that make up the EU’s supervisory system in the 2010 regulation.
The next date on the agency’s own calendar is February 11, 2027, when issuers file their fourth-quarter reports.