HomeEMA publicationsConsultationsEMA response to OBL consultation on on the Wave 1 cVRP commercial Model report EMA response to OBL consultation on on the Wave 1 cVRP commercial Model report 19 May 2025 The EMA responded to the UK Open Banking Limited consultation on the Frontier Economics report on the proposals for the commercial model for Wave 1 commercial Variable Repeat Payments (cVRP). Read EMA’s response here