European Banking Authority Q&A Database

Official Q&As published by the European Banking Authority on CRD, CRR, PSD2, AML, and other EU banking regulations.

2,714 final Q&As · page 15 of 55 · View all sources

The implementation of commercial agent exclusion for B2C e-commerce platforms

Directive 2015/2366/EU (PSD2) · Art. 3

Final Q&A

Answered 2021-12-06

Application of the leverage ratio exemption related to the passing-through of promotional loans to other credit institutions

Regulation (EU) No 575/2013 (CRR) · Art. 429a

Final Q&A

Answered 2021-12-03

Eligibility of minority interests

Regulation (EU) No 575/2013 (CRR) · Art. 81, 82

Final Q&A

Answered 2021-12-03

Information to be provided by the PISP to the payer prior to the initiation of the transaction

Directive 2015/2366/EU (PSD2) · Art. 44, 45

Final Q&A

Answered 2021-12-03

Consumer explicit consent to the PISP for processing of personal data

Directive 2015/2366/EU (PSD2) · Art. 94

Final Q&A

Answered 2021-12-03

Exclusion from scope - article 3.2 f

Directive 2014/17/EU (MCD) · Art. 3

Final Q&A

Answered 2021-12-03

The implementation of commercial agent exclusion for e-commerce platforms

Directive 2015/2366/EU (PSD2) · Art. 3

Final Q&A

Answered 2021-12-03

Tied credit intermediary that represents a number of creditors or groups which does not represent the majority of the market

Directive 2014/17/EU (MCD) · Art. 4

Final Q&A

Answered 2021-12-03

Relevance of third country capital requirements for the calculation of minority interests amounts of a subsidiary to be included at the consolidated leve

Regulation (EU) No 575/2013 (CRR) · Art. 84

Final Q&A

Answered 2021-12-03

Revocation of future dated Payment Initiation Services (PIS) payments

Directive 2015/2366/EU (PSD2) · Art. 66

Final Q&A

Answered 2021-12-03

FINREP template F44.03 Share based payments

Regulation (EU) No 575/2013 (CRR) · Art. 430

Final Q&A

Answered 2021-11-26

Reporting of residential mortgage loans on C80.00 - NSFR - Required Stable Funding

Regulation (EU) No 575/2013 (CRR) · Art. 430

Final Q&A

Answered 2021-11-26

Reporting of a net reverse repo when the collateral leg has a higher RSF factor

Regulation (EU) No 575/2013 (CRR) · Art. 430

Final Q&A

Answered 2021-11-26

Valuation rule 3684 - no negative amounts on row360

Regulation (EU) No 575/2013 (CRR) · Art. 430

Final Q&A

Answered 2021-11-26

In template C 34.02, the field "Exposures" aims to report separately all CCR exposures and all CCR exposures excluding exposures to central counterparties (CCPs). In the DPM taxonomy 3.0 and the related annotated template, this exclusion seems to refer to QCCPs only.

Regulation (EU) No 575/2013 (CRR) · Art. 430

Final Q&A

Answered 2021-11-26

Prudential consolidation of special funds

Regulation (EU) No 575/2013 (CRR) · Art. 430

Final Q&A

Answered 2021-11-26

Include all entities which belong to a group of connected clients in Large exposure templates

Regulation (EU) No 575/2013 (CRR) · Art. Article 430

Final Q&A

Answered 2021-11-26

EAD for over-collateralised securities financing transactions under the Financial Collateral Comprehensive Method

Regulation (EU) No 575/2013 (CRR) · Art. 430

Final Q&A

Answered 2021-11-26

Elements of possession (SIM card) and knowledge (knowledge-based responses to challenges or questions)

Directive 2015/2366/EU (PSD2) · Art. 4

Final Q&A

Answered 2021-11-05

Merchant IDs and SCA

Directive 2015/2366/EU (PSD2) · Art. 97

Final Q&A

Answered 2021-11-05

Updated: Operational Risk - Gross Losses & Rapidly recovered loss events

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-10-15

Leasing - Contagion du défaut aux paiements minimaux - Default contagion for minimum payments

Regulation (EU) No 575/2013 (CRR) · Art. 134

Final Q&A

Answered 2021-10-01

Allocation of direct costs associated with the realisation of funded credit protection in case of partial coverage of an exposure by unfunded credit protection

Regulation (EU) No 575/2013 (CRR) · Art. 161

Final Q&A

Answered 2021-09-24

Requirements towards SCA if association is done based on phone call

Directive 2015/2366/EU (PSD2) · Art. 98

Final Q&A

Answered 2021-09-24

Delegation of 2-Factor Authentication (2FA) to PISP, AISP or other third party

Directive 2015/2366/EU (PSD2) · Art. Article 97

Final Q&A

Answered 2021-09-24

Association with the payment service user by means of a remote channel

Directive 2015/2366/EU (PSD2) · Art. 24

Final Q&A

Answered 2021-09-24

Clarification on the qualification and protection requirements of a CustomerID when included in a payer-presented QR-code for the initiation of (instant) credit transfers at the point of interaction (POI)

Directive 2015/2366/EU (PSD2) · Art. Article 66

Final Q&A

Answered 2021-09-24

Clarification on level of protection required for the processing of the IBAN outside the inter-PSP environment

Directive 2015/2366/EU (PSD2) · Art. Article 66

Final Q&A

Answered 2021-09-24

Interpreting the definitions of "client activity" and "unexpected" in modern financial services market in the context of CRR

Regulation (EU) No 575/2013 (CRR) · Art. 390

Final Q&A

Answered 2021-09-24

Risk weight for the credit risk of third countries with supervisory and regulatory arrangements at least equivalent to those applied in the Union according to Article 114(7) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 114

Final Q&A

Answered 2021-09-24

Counterparties referred to in Article 428h (1) (c) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 428h

Final Q&A

Answered 2021-09-24

Territorial scope of the Guidelines on outsourcing arrangements in relation to supervisory cooperation requirements for credit institutions

Directive 2013/36/EU (CRD) · Art. 74 CRD

Final Q&A

Answered 2021-09-24

Is a financial counter-incentive which is triggered in case of a default of a borrower on certain specific contractual obligations considered as an incentive to redeem?

Regulation (EU) No 575/2013 (CRR) · Art. 63

Final Q&A

Answered 2021-09-24

LCR treatment of settled-to-market derivatives

Regulation (EU) No 575/2013 (CRR) · Art. 423

Final Q&A

Answered 2021-09-24

Partially collateralised loans: CCF - collateral simple method approach

Regulation (EU) No 575/2013 (CRR) · Art. 111

Final Q&A

Answered 2021-09-24

Commitment received to upgrade collateral from Level 2B to Level 1

Regulation (EU) No 575/2013 (CRR) · Art. 412

Final Q&A

Answered 2021-09-24

Validity of SCA

Directive 2015/2366/EU (PSD2) · Art. 97

Final Q&A

Answered 2021-09-24

Intermediaries and Merchant-ID

Directive 2015/2366/EU (PSD2) · Art. 97

Final Q&A

Answered 2021-09-24

Application of national decisions pursuant to Article 124(2) CRR

Regulation (EU) No 575/2013 (CRR) · Art. 124

Final Q&A

Answered 2021-09-17

Inclusion of Held for sale in Other adjustments in template F 12.01

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Inclusion of central bank exposures in template C 33.00

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Allocation of non-performing interdependent assets for NSFR purposes

Regulation (EU) No 575/2013 (CRR) · Art. 415

Final Q&A

Answered 2021-09-10

How to report liabilities with notice period in C69.00 and C70.00

Regulation (EU) No 575/2013 (CRR) · Art. 415

Final Q&A

Answered 2021-09-10

Disclosures of Staff expenses Management body in its supervisory function in FINREP Template 44.4

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Public development credit institution - reporting in Rows 0262, 0263, 0264 of C 47

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Validation rule v7378 - securitization templates C 13.01 and C 14.01

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Treatment for repo / reverse repo of liquid asset transacted outside the segregated pool for institutions operating under Article 8.3.a

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Validation rules between template F 18.01 and F 24.01

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Treatment of securities received in reverse repo and sold (short position) in F32.04 and F08.01

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Specialised Lending Supervisory Slotting Method and CRM Substitution Approach

Regulation (EU) No 575/2013 (CRR) · Art. 99

Final Q&A

Answered 2021-09-10

Source: European Banking Authority. Updated weekly. Q&As are non-binding guidance published under the ESA Single Rulebook Q&A process.

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