The EBA has published a guide to the SEPA Migration End-Date Regulation. The SEPA Migration End Date Regulation (EU Regulation No. 260/2012) came into force on the 31 March 2012. It brings significant changes to the end-to-end processing of euro retail credit transfers and direct debits within the EEA which will have a major impact on payments service providers and users. The EBA has compiled a guide for banks preparing for SEPA Migration to provide a concise review of the new regulation and its key implications. It explains the requirements of the Regulation and gives practical guidance around the implementation of these requirements.