Where the law stands, Dossier 2025/2056(INI)
Impact of artificial intelligence on the financial sector
Own-initiative report (INI): Parliament’s own position on a topic. It is not binding. · First reading
Parliament sets out its own position on a topic. The resolution is not binding but signals what Parliament wants.
Where it stands
Parliament’s position
Parliament adopted the text on 25 November 2025. This is its final position on the matter.
- Referred to committee(done) 13 March 2025
- Committee work(done) Report adopted 5 November 2025
- Tabled for plenary(done) 11 November 2025
- Plenary vote(done) Adopted 25 November 2025
- Parliament’s position(done) Final
Decided in plenary
25 November 2025 · decision 12
Economy & single market, Resolution
Impact of artificial intelligence on the financial sector
Adopted 426 for · 182 against · 39 abstained by a large majority
AI summary:The text notes that most AI use cases in finance aim to streamline operations and are low-risk, while stressing the need for human oversight of fully autonomous systems.
What changed
Latest Tabled for plenary → Adopted by Parliament
AI summary:The versions differ only in formal points: footnote references are removed from three paragraphs.
Committee draft → Tabled for plenary
AI summary:The report expands on AI risks and benefits, adding detail on LLM-specific risks and the need for mitigation. It introduces new sections on supervisory challenges, third-party dependency, and DORA, urging authorities to adapt and monitor. It calls for clearer guidance, regulatory coordination, and support for innovation, including sandboxes and skills development. It adds investment figures and a request for an ambitious venture capital proposal to boost AI innovation. Other changes are formal: updated references and forwarding instructions.
Who works on it
- Lead committee
- Economic and Monetary Affairs
- The MEP who drafts the report and negotiates it on behalf of the committee.
- Arba Kokalari (EPP)
- An MEP who follows a report on behalf of their own group when another group holds the rapporteur.
- Eero Heinäluoma (S&D), Auke Zijlstra (Patriots), Johan van Overtveldt (ECR), Billy Kelleher (Renew), Maria Ohisalo (Greens), Pasquale Tridico (The Left)
The text, version by version
Newest first.
Adopted by Parliament· 25 Nov 2025
AI summary:Parliament's resolution on the impact of artificial intelligence on the financial sector notes the broad adoption of AI and its benefits, while stressing risks and the need for human oversight.
Tabled for plenary· 11 Nov 2025
AI summary:Parliament's resolution on the impact of artificial intelligence on the financial sector notes the broad adoption of AI, highlights benefits and risks, and calls for clear guidance, regulatory consistency, and support for innovation while ensuring consumer protection and financial stability.
Committee draft· 14 May 2025
AI summary:This draft report examines AI use in EU financial services and the regulatory landscape. It notes prudent adoption, mainly for back-office tasks, and calls for clarity and guidance on existing rules rather than new sectoral legislation.
Timeline
Newest first.
Plenary stage 2 steps
25 November 2025
Plenary vote
Sitting of 25 Nov 2025 Report A10-0225/2025Adopted text TA10-0286/2025
11 November 2025
Report tabled for plenary
This is the text all MEPs vote on. Political groups can still table amendments to it.
Committee stage 4 steps
5 November 2025
Committee vote: report adopted
ECON (Economic and Monetary Affairs) voted on the amendments and adopted the report that goes to plenary.
4 July 2025
Amendments tabled in committee
Members of ECON (Economic and Monetary Affairs) proposed changes to the draft.
14 May 2025
Draft report published
The rapporteur’s first text in ECON (Economic and Monetary Affairs). Members can table amendments before the committee votes.
13 March 2025
Referred to the ECON (Economic and Monetary Affairs) committee
The lead committee prepares Parliament’s report.
Official record: Legislative Observatory, 2025/2056(INI)