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 27 of 55 · View all sources
Identification and access for testing purposes of entities that are not authorised third party providers (TPPs)
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2019-03-29
Exposures in the form of covered bonds
Regulation (EU) No 575/2013 (CRR) · Art. 129
Answered 2019-03-29
For swaps should we consider that we have a collateral agreement with the counterparty?
Directive 2013/36/EU (CRD) · Art. 78
Answered 2019-03-29
Reporting of exposures whose collateral type is (g) credit derivatives, (h) guarantees or (i) unfunded credit protection
Directive 2013/36/EU (CRD) · Art. 78
Answered 2019-03-29
Category on which the covered part of exposures should be reported.
Directive 2013/36/EU (CRD) · Art. 78
Answered 2019-03-29
Meaning of current year in validation rule v6167_m
Directive 2013/36/EU (CRD) · Art. 78
Answered 2019-03-29
Clarification on the risk weight applied to deferred tax assets that do not rely on future profitability
Regulation (EU) No 575/2013 (CRR) · Art. 39
Answered 2019-03-22
ASPSP is denied the waiver to the fall-back by an NCA
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2019-03-22
Scope of application of the term "securitisation" and risk retention obligation in Article 405 CRR
Regulation (EU) No 575/2013 (CRR) · Art. 4, 405
Answered 2019-03-22
Application of margin period of risk scalars for exposures to clients
Regulation (EU) No 575/2013 (CRR) · Art. 304
Answered 2019-03-22
COREP Template C 25.00.Validation rule v0641_m.
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-03-15
COREP template C 05.01-validation rule v0269
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-03-15
Finrep validation rules of F 02.00 and F 16.01
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-03-15
Clarifying the Impact of the new securitisation framework on template C 14.00
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-03-15
FINREP Validation rule v5116_m
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-03-15
Suspect wrong validation rule Finrep (DPM 2.7), F18: v5517_m, v5461_m, v5503_m and v5531.
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-03-15
Presentation of cash flows related to non performing exposures in the template (C 66.01.a)
Regulation (EU) No 575/2013 (CRR) · Art. 415
Answered 2019-03-15
Application of the exemption related to a trusted beneficiary
Directive 2015/2366/EU (PSD2) · Art. 13
Answered 2019-03-08
Subsequent instances of a recurring card payment transaction, other than the first, initial one, are transactions initiated by the payee only. This is also the case for card instalment transactions.
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2019-03-01
Payee-initiated transactions with irregular period or variable amount
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2019-03-01
Applicability of SCA to ‘card payments initiated by the payee only’
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2019-03-01
Transactions initiated via Interactive Voice Response (IVR) solutions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2019-03-01
Exposures to unrated institutions
Regulation (EU) No 575/2013 (CRR) · Art. 114, 121
Answered 2019-03-01
Exposures to regional governments, local authorities or public sector entities which are treated as exposures to central governments under Articles 115 and 116 CRR
Regulation (EU) No 575/2013 (CRR) · Art. 115, 116, 143, 147, 150
Answered 2019-03-01
Does SCA apply to electronically processed SEPA Direct Debits ?
Directive 2015/2366/EU (PSD2) · Art. 4
Answered 2019-02-22
New risk weights for exposures to central governments or central banks not applicable in DPM 2.7 for C 07.00
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-02-22
Treatment of off-balance sheet exposures measured at reporting date at fair value trough P&L in templates F 18.00 and F 19.00
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-02-22
Reactivation of v0191_m as of v2.7.
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-02-22
IFRS 9 Transitional arrangements – Calculation of the total exposure measure of the leverage ratio
Regulation (EU) No 575/2013 (CRR) · Art. 473a
Answered 2019-02-15
Showing a password after it has been masked
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2019-02-08
Contactless payments at point of sale - Applications of the conditions
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2019-02-08
Communication plans to inform payment service providers making use of the dedicated interface
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2019-02-08
Length of authentication codes
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2019-02-08
On demand secured lending of Level 1 assets
Regulation (EU) No 575/2013 (CRR) · Art. 416
Answered 2019-02-08
Reporting of assets sold short as a additional outflow for LCR under Delegated Act
Regulation (EU) No 575/2013 (CRR) · Art. Article 423(4) of Regulation (EU) No. 575/2013 (CRR)
Answered 2019-02-08
Benchmarking - Market risk - Base currency unit
Directive 2013/36/EU (CRD) · Art. 78
Answered 2019-02-01
Benchmarking - Market risk - instrument specification
Directive 2013/36/EU (CRD) · Art. 78
Answered 2019-02-01
EBA ITS package for 2019 benchmarking exercise (Annex V, credit spread instruments)
Directive 2013/36/EU (CRD) · Art. 78
Answered 2019-02-01
Trusted Beneficiary exemption – Management of the exemption, information flows between PSPs in the payment transaction
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2019-01-25
On the access to names and surnames through the API
Directive 2015/2366/EU (PSD2) · Art. 4
Answered 2019-01-25
Mapping of SEC-ERBA credit quality steps
Regulation (EU) No 575/2013 (CRR) · Art. 270a, 271e
Answered 2019-01-18
Treatment of government bonds of a third country as Level 1 assets when the credit quality step 1 is assigned according to article 114(7) of Regulation (EU) 575/2013
Regulation (EU) No 575/2013 (CRR) · Art. 416
Answered 2019-01-18
Calculation of the ratio between fixed and variable components of the total compensation.
Directive 2013/36/EU (CRD) · Art. 94
Answered 2019-01-18
Compliance Function and Anti-Money Laundering tasks, Data Protection Officer or FATCA&CRS Responsible Officer, and Fraud Management
Directive 2013/36/EU (CRD) · Art. 74, 88
Answered 2019-01-18
Inclusion of interim profits in CET1
Regulation (EU) No 575/2013 (CRR) · Art. 26
Answered 2019-01-18
Inclusion of interim profits in CET1 on consolidated basis
Regulation (EU) No 575/2013 (CRR) · Art. 26
Answered 2019-01-18
Treatment of Value Added Tax (VAT) accounts opened for collection and payment of VAT
Regulation (EU) No 575/2013 (CRR) · Art. 422
Answered 2019-01-18
Offset of Additional Value Adjustments (AVA) against Expected Loss (EL) under Article 159
Regulation (EU) No 575/2013 (CRR) · Art. 158, 159
Answered 2019-01-18
Explicit consent required by the ASPSP from the PSU to enable the PSU to use the services provided by TPPs / Consenso esplicito richiesto dall’ASPSP al PSU per consentirgli di avvalersi dei servizi prestati dai TPP
Directive 2015/2366/EU (PSD2) · Art. 64
Answered 2019-01-11
Inconsistency in validation rule eba_v4721_m
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2019-01-11
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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