European Banking Authority (EBA) kajeno e phatlalalitse lethathamo le ntlafalitsoeng la matšoao a tlhahlobo ea kotsi le lisebelisoa tsa tlhahlobo ea kotsi, hammoho le tataiso ea mekhoa e tsamaeang le eona. Ntle le ho kenya moroalo ofe kapa ofe oa tlaleho ho litsi tsa litlaleho kapa ho balaoli ba nang le bokhoni, tataiso ena e hlalosa hore na matšoao a kotsi a baloa joang likhatisong tsa EBA. E tla lumella balaoli ba nang le bokhoni le basebelisi ba data ea EBA ho toloka lipalo tsa bohlokoa tsa banka ka mokhoa o ts'oanang ha ba etsa liteko tsa bona tsa kotsi le tlhahlobo.
Ntlafatso ena e ipapisitse le moralo oa tlaleho oa EBA oa mofuta oa 4.0 mme e akaretsa matšoao a phaello ea litsi, ho rarolla mathata le kotsi ea ts'ebetso, har'a tse ling. Ntlafatso e boetse e kenyelletsa lihlopha tse ncha tsa matšoao a kotsi a behiloeng ho Package ea Banka (Capital Requirements Regulation and Capital Requirements Directive - CRR3 / CRD6), matšoao a amanang le Tikoloho, Sechaba le Puso (ESG), le tse seng li sebelisitsoe moelelong oa Bonyane Bohlokoa ba Lichelete le Likoloto tse Tšoanelehang (MREL).
