The European Supervisory Authorities (ESAs) (i.e. EBA, EIOPA and ESMA) have asked the European Commission to assess urgently the differences in financial services legislation relating to cross-selling and to consider any necessary steps to ensure that the ESAs can regulate cross-selling practices across the investments, insurance and banking sectors. The ESAs are required under MiFID II to produce joint guidelines on cross-selling practices involving investment products; however, following a consultation on draft guidelines in December 2014, it was subsequently decided not to issue final guidelines, due to concerns that the differences in the legal bases for the guidelines might impede the guidelines from achieving their objectives, and for ESMA to produce MiFID-only guidelines, which it published in December 2015.