EBF and, in a joint separate document, the International Swaps and Derivatives Association (ISDA) and the Association for Financial Markets in Europe (AFME), have responded to the Commission's consultation on options for structural reform of the EU banking sector. They are concerned about the impact of the proposals on universal banks' integrated business model. Instead, they propose to give supervisors the power to require structural separation where this is needed to ensure resolvability in a case-by-case basis. (Source: EBF Response on the Structure of the EU Banking Sector and ISDA/AFME Response)