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 21 of 55 · View all sources

Disclosure of information within the group related to suspicious activity reports (SARs) to the competent authorities

Directive (EU) 2015/849 (AMLD) · Art. 45

Final Q&A

Answered 2020-10-23

Customer data transfer to Member States for the purpose of supervision

Directive (EU) 2015/849 (AMLD) · Art. 45

Final Q&A

Answered 2020-10-23

Retroactivity concerning customer consent for data sharing and processing

Directive (EU) 2015/849 (AMLD) · Art. 45

Final Q&A

Answered 2020-10-23

Absolute materiality threshold for Retail based on the new RTS

Regulation (EU) No 575/2013 (CRR) · Art. 123

Final Q&A

Answered 2020-10-09

Retail Classification

Regulation (EU) No 575/2013 (CRR) · Art. 123

Final Q&A

Answered 2020-10-09

Losses due to fraud per liability bearer / Perdite dovute a frode per portatore di responsabilità

Directive 2015/2366/EU (PSD2) · Art. 96

Final Q&A

Answered 2020-09-25

"Push based" authentication and SCA requirements

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

Final Q&A

Answered 2020-09-25

SCA for contactless payments at a POS executed via a mobile device

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

Final Q&A

Answered 2020-09-25

Authentication code

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

Final Q&A

Answered 2020-09-25

Failed Authentication Code

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

Final Q&A

Answered 2020-09-25

Whitelisting

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

Final Q&A

Answered 2020-09-25

Delayed or deferred PIN for wearable devices

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

Final Q&A

Answered 2020-09-25

Authorisation for the provision of PIS and AIS on behalf of other legal entities belonging to the same corporate group / Autorizzazione ad offrire servizi di PIS e AIS per conto di altre Legal Entity appartenenti allo stesso Gruppo societario

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

Final Q&A

Answered 2020-09-25

Relying on vendor mechanisms processing the biometric data for strong customer authentication; Multiple fingerprint samples stored on a mobile device and used for purpose of user authentication.

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

Final Q&A

Answered 2020-09-25

SCA profiles and multiple-use of devices

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

Final Q&A

Answered 2020-09-25

Treatment of secured lending or capital market-driven transactions that would require an outflow rate higher than 25 % but they have been closed with eligible counterparties

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

Final Q&A

Answered 2020-09-11

Treatment of Central Bank Overnight deposits in ALMM Template C71

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

Final Q&A

Answered 2020-09-11

C66: undrawn ECB open market operations backed with pre-positioned own issuances (retained CB or ABS) as “Undrawn committed facilities received”.

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

Final Q&A

Answered 2020-09-11

EBA validations rules for DPM 2.8 with reference to rule V3975_S.

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

Final Q&A

Answered 2020-09-11

The additional column C015 “Code” to template C 67.00 contains ambiguity in the Annex IV guidance under the ITS to be implemented at Mar-20: 1.2.8.015 “This code is a row identifier and shall be unique for each row in the template”. It is unclear what identifiers are required in column C015.

Regulation (EU) No 575/2013 (CRR) · Art. 460

Final Q&A

Answered 2020-09-11

Treatment of fiduciary assets for the purpose of asset encumbrance reporting

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

Final Q&A

Answered 2020-09-11

Failed validation checks due to the implementation of a new separate line item ‘cash contributions to resolution funds and deposit guarantee schemes’ (r385) in template F 02.00 and missing consistent change in template F 20.03 under DPM 2.9

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

Final Q&A

Answered 2020-09-11

Definition of 'carrying amount’ for the purposes of templates C60.00 and C61.00

Regulation (EU) No 575/2013 (CRR) · Art. 427

Final Q&A

Answered 2020-09-11

Discrepencies between the "instructions" and the Data Point Model for the Maturity Ladder C66.01 COREP report

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

Final Q&A

Answered 2020-09-11

Classification of collective investment undertakings

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

Final Q&A

Answered 2020-09-11

Clarifications on the scope of ‘New Funding’ in C69.00

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

Final Q&A

Answered 2020-09-11

Collateral swaps with domestic central bank

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

Final Q&A

Answered 2020-09-11

FINREP validation rule v5284_m

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

Final Q&A

Answered 2020-09-11

Clarification regarding reporting of Central Bank deposits in column 90 (collateral value CB-eligible) of row 120 in C71.00 Concentration of Counterbalancing Capacity by issuer/counterparty

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

Final Q&A

Answered 2020-09-11

Operational deposits in NSFR

Regulation (EU) No 575/2013 (CRR) · Art. 427

Final Q&A

Answered 2020-09-11

Are Validation rules v6263_m & v6264_m correct?

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

Final Q&A

Answered 2020-09-11

Reporting of QCCP exposures be reported in template C07.00a – validation rule e4895_n

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

Final Q&A

Answered 2020-09-11

Substitution approach for exposure and guarantor under different approaches

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

Final Q&A

Answered 2020-09-11

Confusion between instruction and validation for Other Demand Deposits Assets in F 01.01

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

Final Q&A

Answered 2020-09-11

Continuous call option in AT1 instruments

Regulation (EU) No 575/2013 (CRR) · Art. 52

Final Q&A

Answered 2020-09-04

Absence of waiver of set-off

Regulation (EU) No 575/2013 (CRR) · Art. 52, 63, 72b

Final Q&A

Answered 2020-09-04

Scrip-dividends at investors’ discretion

Regulation (EU) No 575/2013 (CRR) · Art. 26

Final Q&A

Answered 2020-09-04

Application of the LGD floor

Regulation (EU) No 575/2013 (CRR) · Art. 164

Final Q&A

Answered 2020-08-21

Tokenised card details as a SCA possession element.

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

Final Q&A

Answered 2020-08-07

Net cash out-/inflow from cash settled futures (“ICE Brent Crude futures contract”)

Regulation (EU) No 575/2013 (CRR) · Art. 422

Final Q&A

Answered 2020-08-07

Treatment of joint credit obligations

Regulation (EU) No 575/2013 (CRR) · Art. 178

Final Q&A

Answered 2020-08-07

10 % LGD floor for retail exposures secured by residential property

Regulation (EU) No 575/2013 (CRR) · Art. 164

Final Q&A

Answered 2020-08-07

Retail exposures of subsidiary / branch of an EU credit institution established outside the EU

Regulation (EU) No 575/2013 (CRR) · Art. 123

Final Q&A

Answered 2020-07-31

Insurance policy on minimum monetary amount of the professional indemnity insurance of PSD2

Directive 2015/2366/EU (PSD2) · Art. 5

Final Q&A

Answered 2020-07-31

Calculation of operational risk capital requirements under BIA

Regulation (EU) No 575/2013 (CRR) · Art. 316

Final Q&A

Answered 2020-07-31

Reporting of e-commerce card-based payment transactions falling within the scope of EBA Opinion EBA-Op-2019-06 for which no strong customer authentication was applied

Directive 2015/2366/EU (PSD2) · Art. 96

Final Q&A

Answered 2020-07-24

Data breakdown on fraud by different card functions for cash withdrawals

Directive 2015/2366/EU (PSD2) · Art. 96

Final Q&A

Answered 2020-07-24

Recording of card payments

Directive 2015/2366/EU (PSD2) · Art. 96

Final Q&A

Answered 2020-07-24

Reporting of fraud by the acquirers