CSSF Long Form Report 2027: Luxembourg Banks Face New Complaints Module

On 3 November 2026, the Commission de Surveillance du Secteur Financier (CSSF) launched the 2027 Long Form Report (LFR) Campaign, opening the Self-Assessment Questionnaire (SAQ) to all in-scope institutions through its eDesk portal. The headline change this cycle is a new module requiring banks to submit their annual out-of-court complaints table and summary report — a step that puts consumer-protection data squarely inside the prudential reporting stack. Understanding the CSSF Long Form Report 2027 in full requires looking at these details closely.

This article summarises what the CSSF Long Form Report 2027 covers, who is in scope, and the key deadlines ahead. The dates, circular references and scope below come directly from the CSSF’s own communication; the gf6.com directory is used only to point you to the wider context of banks in Luxembourg.

The finding — what the CSSF announced — CSSF Long Form Report 2027

The CSSF has formally opened the 2027 LFR campaign and set out which institutions must respond, under which circulars, and by when. The key facts, reproduced verbatim from the regulator’s announcement, are below. These figures put the CSSF Long Form Report 2027 into clearer perspective.

• Launch date: 3 November 2026 — CSSF opens the Self-Assessment Questionnaire (SAQ) via its eDesk portal.
• Scope — Luxembourg credit institutions and Luxembourg branches of non-EU credit institutions: Circular CSSF 22/821 (as amended by Circulars 23/845, 24/865 and 25/897).
• Scope — Luxembourg branches of EU credit institutions: Circular CSSF 07/325 (as amended by Circulars 21/765, 22/827 and 25/898).
• New module: Out-of-court complaints handling — annual complaints table and summary report to be submitted via eDesk under CSSF Regulation No 16-07 and Circular CSSF 17/671.
• SAQ reference date: 31 December 2026.
• Submission of auditors’ AML/CFT reports: 31 May 2027 for Luxembourg credit institutions.

The event was reported by multiple outlets, including RegReportingDesk and the CSSF’s own prudential reporting page, which independently confirm the launch and the scope.

What it means

The Long Form Report is one of the central annual exercises linking Luxembourg’s credit institutions to their supervisor. By opening the SAQ on 3 November 2026 with a 31 December 2026 reference date, the CSSF keeps the familiar end-of-year snapshot — but adds a consumer-protection layer that was previously handled through separate channels. This context matters for anyone following the CSSF Long Form Report 2027.

The out-of-court complaints module is the most visible change. Under CSSF Regulation No 16-07 and Circular CSSF 17/671, institutions already have obligations around complaint handling; routing the annual complaints table and summary report through eDesk, inside the LFR campaign, consolidates that reporting in one place. This was widely seen as a move toward tighter, more structured supervision of how banks treat customer complaints. It is a central thread in the wider CSSF Long Form Report 2027.

The scope split also matters. Luxembourg credit institutions and non-EU branches continue under Circular 22/821 (as amended), while EU branches report under Circular 07/325 (as amended). The two separate chains reflect how home-country supervision differs for EU versus non-EU parent banks — and why one circular family cannot simply be merged into the other. Such details shaped how the CSSF Long Form Report 2027 unfolded.

Finally, the 31 May 2027 deadline for auditors’ AML/CFT reports (for Luxembourg credit institutions) anchors the back end of the cycle. That gives audit firms and compliance teams roughly five months from the SAQ reference date to finalise their AML/CFT work. This is one of the defining aspects of the CSSF Long Form Report 2027.

Explore the full data behind this article: bank branches worldwide and ATMs worldwide in the gf6.com directory.

Methodology

The facts, dates and circular references in this article are taken directly from the CSSF’s announcement of the 2027 Long Form Report Campaign, published on its website: CSSF — Self-Assessment Questionnaire, revised Long Form Report. Corroboration was taken from RegReportingDesk and the CSSF’s prudential reporting page for credit institutions.

gf6.com maintains a worldwide directory of around 445,000 bank branches and ATMs, curated manually since 2020 from public sources. It is a large but incomplete sample and is not an official regulatory register; it is used here only to orient readers to the Luxembourg banking landscape and not as a source for the regulatory facts above.

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