EU rated overall climate action as Insufficient. EU not on track for 55% emissions cut by 2030 including LULUCF. CAT recommends 74% reduction excl LULUCF by 2035. Planned policies project only 52% reduction by 2030. Progress raised projections from 33% to 52% via Green Deal. 2040 target nets 90% reduction but only 85% excl LULUCF. NDC target insufficient against fair share and domestic pathways. If all followed EU approach warming hits 2-3°C. Climate finance contributions rated Insufficient. No domestic fossil fuel phase-out targets set. Gaps remain in buildings gas methane regulations. Half EU states lack National Energy Climate Plans. Need 62% cut excl LULUCF aviation by 2030 for improvement. Net zero target design rated Acceptable. Must ramp up finance and end fossil finance. Policies close to NDC but loopholes prolong fossils.