Resources › EU Financial Regulatory Q&A Database EU Financial Regulatory Q&A Database Official Q&As published by EBA, ESMA, EIOPA and the ESA Joint Committee. Non-binding but treated
as authoritative guidance by national competent authorities across the EU.
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All regulations Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU Benchmarks Regulation (BMR) - Regulation 2016/1011 Central Securities Depositories Regulation (CSDR) Regulation (EU) No 909/2014- PTR- CSDR Credit Rating Agencies Regulation (CRAR) Regulation (EC) No 1060/2009 Directive 2002/87/EC (FiCOD) Directive 2009/110/EC (EMD) Directive 2013/36/EU (CRD) Directive 2014/17/EU (MCD) Directive 2014/49/EU (DGSD) Directive 2014/59/EU (BRRD) Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) Directive 2014/92/EU (PAD) Directive 2015/2366/EU (PSD2) Directive 2022/2556/EU (DORA Dir) Directive (EU) 2015/849 (AMLD) Directive (EU) 2019/2034 (IFD) EIOPA-BoS/18-114 - Information request towards NCAs regarding provision of occupational pensions information EIOPA-BoS-23-030 - Regular information requests regarding provision of occupational pensions information EMIR ESGR - Regulation (EU) 2024/3005 (EU) 2016/2341 - IORP II Directive (EU) 2016/2341 - IORP II Directive, (EU) No 2016/97 - Insurance Distribution Directive (EU) 2016/2341 - IORP II Directive, Other (EU) 2017/653 - PRIIPs Delegated Regulation for key information document (EU) 2017/653 - PRIIPs Delegated Regulation for key information document, (EU) No 1286/2014 - PRIIPs Regulation (EU) 2019/1238 - Pan-European Personal Pension Product (PEPP) (EU) 2019/1238 - Pan-European Personal Pension Product (PEPP), (EU) 2022/2454 - ITS with regard to supervisory reporting of risk concentrations and intra-group transactions (FICOD, (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, EIOPA-BoS-23-030 - Regular information requests regarding provision of occupational pensions information (EU) 2019/2088 - SFDR (EU) 2020/852 - Taxonomy Regulation (EU) 2022/2454 - ITS with regard to supervisory reporting of risk concentrations and intra-group transactions (FICOD (EU) 2022/2454 - ITS with regard to supervisory reporting of risk concentrations and intra-group transactions (FICOD, (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision (EU) 2022/2554 - Digital Operational Resilience Act (DORA) (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, (EU) 2023/895 - ITS for the disclosure of solvency and financial condition report (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, Other (EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision, Revised Guidelines on Contract Boundaries, Guidelines on contract boundaries (EU) 2023/895 - ITS for the disclosure of solvency and financial condition report EU Green Bond Regulation (EU) 2023/2361 (EU) No 1286/2014 - PRIIPs Regulation (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/2011 - lists of regional governments & local authorities, exposures to be treated as to central government (EU) No 2015/2013 - standard deviations in relation to health risk equalisation systems (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, Guidelines on reporting and public disclosure (EU) No 2015/2451 - templates and structure of the disclosure of specific information by supervisory authorities (EU) No 2015/2451 - templates and structure of the disclosure of specific information by supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/2452 - procedures, formats and templates of the solvency and financial condition report (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2015/2011 - lists of regional governments & local authorities, exposures to be treated as to central government (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on application of outwards reinsurance (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on contract boundaries (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on group solvency (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on implementation of the long-term guarantee measures (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on look-through approach (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on methodology for equivalence assessments by national supervisory authorities under Solvency II (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on recognition and valuation of assets and liabilities other than technical provisions (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on valuation of technical provisions (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on valuation of technical provisions, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Other (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Risk-Free Interest Rate - General questions (EU) No 2016/1800 - allocation of Credit Assessments of external CA institutions to objective scale of credit quality steps (EU) No 2016/97 - Insurance Distribution Directive (EU) No 2016/97 - Insurance Distribution Directive, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) (EU) No 2017/1469 - standardised presentation format for the insurance product information document (EU) No 2017/1469 - standardised presentation format for the insurance product information document, Guidelines on classification of own funds (EU) No 2017/2358 - product oversight and governance requirements for insurance (EU) No 2017/2358 - product oversight and governance requirements for insurance, (EU) No 2016/97 - Insurance Distribution Directive (EU) No 2017/2358 - product oversight and governance requirements for insurance, Preparatory Guidelines on product oversight & governance arrangements by insurance undertakings & insurance distributors, (EU) No 2016/97 - Insurance Distribution Directive (EU) No 2017/2359 - info requirements and conduct of business rules applicable European Long-Term Investment Funds Regulation (ELTIF) Regulation (EU) 2015/760 European Market Infrastructure Regulation (EMIR) Regulation (EU) No 648/2012- MDP European Market Infrastructure Regulation (EMIR) Regulation (EU) No 648/2012- PTR- Derivatives European Social Entrepreneurship Funds Regulation (EuSEF) Regulation (EU) No 346/2013 European Venture Capital Regulation (EuVECA) Regulation (EU) No 345/2013 Guidelines on application of life underwriting risk module Guidelines on application of outwards reinsurance Guidelines on basis risk Guidelines on classification of own funds Guidelines on classification of own funds, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) Guidelines on contract boundaries Guidelines on financial stability reporting Guidelines on financial stability reporting, Guidelines on reporting for financial stability purposes Guidelines on group solvency Guidelines on health catastrophe risk sub-module Guidelines on look-through approach Guidelines on loss-absorbing capacity of technical provisions and deferred taxes Guidelines on own risk and solvency assessment Guidelines on recognition and valuation of assets and liabilities other than technical provisions Guidelines on reporting and public disclosure Guidelines on reporting for financial stability purposes Guidelines on ring-fenced funds Guidelines on submission of information to NCAs (Preparatory phase) Guidelines on supervision of branches of third-country insurance undertakings Guidelines on supervisory review process Guidelines on system of governance Guidelines on the Forward looking assessment of own risks Guidelines on treatment of related undertakings, including participations Guidelines on use of internal models Guidelines on valuation of technical provisions Market Abuse Regulation (MAR) Regulation (EU) No 596/2014 - Market Intergrity Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- MDP Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014 - Investor Protection and Intermediaries Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- Secondary Markets MiCA Other Packaged Retail and Insurance-based Investment Products Regulation (PRIIPS) Regulation (EU) No 1286/2014 PRIIPs Prospectus Regulation 2017/1129 Regulation 2020/1503 - European crowdfunding service providers for business Regulation 2021/23 - recovery and resolution of central counterparties (CCPRRR) Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs Regulation (EU) 2015/847 (WTR) (recast) Regulation (EU) 2019/2088 - Sustainable Finance Disclosure Regulation (SFDR) Regulation (EU) 2022/2554 - The Digital Operational Resilience Act (DORA) Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) Regulation (EU) 2023/1113 (WTR II) Regulation (EU) 2024/886 (IPR) Regulation (EU) No 2017/2402 (SecReg) Regulation (EU) No 2019/2033 (IFR) Regulation (EU) No 2022/2554 (DORA Reg) Regulation (EU) No 2023/1114 (MiCAR) Regulation (EU) No 575/2013 (CRR) Regulation (EU) No 648/2012 (EMIR) Regulation (EU) No 909/2014 (CSDR) - only RTS 2017/390 Revised Guidelines on Contract Boundaries Revised Guidelines on valuation of technical provisions Revised Guidelines on valuation of technical provisions, (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) Revised Guidelines on valuation of technical provisions, (EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) Risk-Free Interest Rate - Credit and currency adjustments Risk-Free Interest Rate - Deep, Liquid and Transparent maturities Risk-Free Interest Rate - Extrapolation Risk-Free Interest Rate - Extrapolation, Risk-Free Interest Rate - Financial market data Risk-Free Interest Rate - Extrapolation, Risk-Free Interest Rate - General questions, Risk-Free Interest Rate - VA calculations Risk-Free Interest Rate - Financial market data Risk-Free Interest Rate - General questions Risk-Free Interest Rate - Matching adjustment Risk-Free Interest Rate - Matching adjustment, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) Risk-Free Interest Rate - VA calculations Risk-Free Interest Rate - VA calculations, Risk-Free Interest Rate - VA representative portfolios Risk-Free Interest Rate - VA representative portfolios Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP Securitisation Regulation (EU) 2017/2402 SFDR Short Selling Regulation (SSR) Regulation (EU) No 236/2012 Symmetric adjustment of the equity capital charge Transparency Directive (TD) Directive 2004/109/EC Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
7,005 Q&As · page 100 of 141
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)
EBA Final Q&A
Answered 2019-02-08
MiFIR data reporting - LEI of the issuer
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP
ESMA Answer Published
Answered 2019-02-04
Maturity Date, expiry date and termination date
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP
ESMA Answer Published
Answered 2019-02-04
Complex trades
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP
ESMA Answer Published
Answered 2019-02-04
Maturity Date, expiry date and termination date
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP
ESMA Answer Published
Answered 2019-02-04
Maturity Date, expiry date and termination date
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP
ESMA Answer Published
Answered 2019-02-04
Direct Electronic Access (DEA) and algorithmic trading - Article 19 of CDR 2017/565 - high frequency trading techniques tests
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets
ESMA Answer Published
Answered 2019-02-01
Benchmarking - Market risk - instrument specification
Directive 2013/36/EU (CRD) · Art. 78
EBA Final Q&A
Answered 2019-02-01
Benchmarking - Market risk - Base currency unit
Directive 2013/36/EU (CRD) · Art. 78
EBA Final Q&A
Answered 2019-02-01
EBA ITS package for 2019 benchmarking exercise (Annex V, credit spread instruments)
Directive 2013/36/EU (CRD) · Art. 78
EBA Final Q&A
Answered 2019-02-01
Annexes 14 and 15: Inside Information or Significant Event Information - Step-Up/Step-Down Coupon Value
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Differences in the same field vs. other existing templates
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Use of the response option ‘OTHR’ (i.e. ‘Other’) in {LIST} fields.
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Change of the reporting entity and unique identifier fields Unique identifier: RREL1; CREL1; CRPL1; AUTL1; CMRL1; CCDL1; LESL1; ESTL1; IVSS1; IVAS1; IVAN1
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Purpose RREL27
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Disclosures for public vs. private securitisations
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Reporting frequency for ABCP transactions
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Definition of ‘arrears’
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Annex 4: Underlying Exposures - Corporate - Managed by CLO
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Annexes 14 and 15: Inside Information or Significant Event Information - Perfection Of Sale: how should this be completed for CLO securitisations?
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Use LDOR code in the field for ‘Current Interest Rate Index’ or ‘Revised Interest Rate Index’
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Revision Margin and Revision Date fields
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Rounding numerical fields
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Primary Income Currency
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Annexes 6 and 7: Underlying Exposures - Credit Cards and Consumer - What level of the credit card receivable is the ‘underlying exposure’? The account or the product/card level?
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Annexes 5 and 8: Underlying Exposures – Automobile and Leasing - Original Loan-To-Value
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Annex 4: Underlying Exposures - Corporate - Collateral valuation fields for corporate and leveraged lending
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
How to provide the amount guaranteed for underlying exposures (collateral section)
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Total Credit Limit
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Legal Entity Identifier fields and the Global Legal Entity Identifier Foundation?
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2019-01-31
Scope of application of the Commission Delegated Regulations adopted under the BMR (ESMA70-145-114 Q&A_4.6)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2019-01-30
Schedule for the initial implementation of the systematic internaliser regime
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets
ESMA Published Answer Updated
Answered 2019-01-30
Trusted Beneficiary exemption – Management of the exemption, information flows between PSPs in the payment transaction
Directive 2015/2366/EU (PSD2) · Art. 98
EBA Final Q&A
Answered 2019-01-25
On the access to names and surnames through the API
Directive 2015/2366/EU (PSD2) · Art. 4
EBA Final Q&A
Answered 2019-01-25
Mapping of SEC-ERBA credit quality steps
Regulation (EU) No 575/2013 (CRR) · Art. 270a, 271e
EBA Final Q&A
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
EBA Final Q&A
Answered 2019-01-18
Calculation of the ratio between fixed and variable components of the total compensation.
Directive 2013/36/EU (CRD) · Art. 94
EBA Final Q&A
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
EBA Final Q&A
Answered 2019-01-18
Inclusion of interim profits in CET1
Regulation (EU) No 575/2013 (CRR) · Art. 26
EBA Final Q&A
Answered 2019-01-18
Inclusion of interim profits in CET1 on consolidated basis
Regulation (EU) No 575/2013 (CRR) · Art. 26
EBA Final Q&A
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
EBA Final Q&A
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
EBA Final Q&A
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
EBA Final Q&A
Answered 2019-01-11
Inconsistency in validation rule eba_v4721_m
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2019-01-11
Applicability of the low-value contactless exemption to contactless-only devices
Directive 2015/2366/EU (PSD2) · Art. 97
EBA Final Q&A
Answered 2019-01-11
Validation rule v6063_m in v2.7.0.1
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2019-01-11
Validation rule v2818
Regulation (EU) No 575/2013 (CRR) · Art. 99, 100
EBA Final Q&A
Answered 2019-01-11
DPM2.7.0.1 validation rules v5228_m,v5229_m,v_5231_m,v5235_m across template F18.00a, F04.04.1
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2019-01-11
Clarification “Other collateralized loans” template F 05.01
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2019-01-11
Validation rules on template F 18.00 comparing with F 04.04.1 and F 01.01
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2019-01-11
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