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.

EBA 4,397 ESMA 1,523 EIOPA 2,635 Joint Committee 256

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7,150 Q&As matching current filters · page 101 of 143

IFRS 9, validation rule v2776_m

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

EBA Final Q&A

Answered 2019-01-11

Recognition of specific credit risk adjustments on securitised defaulted exposures under Article 266(1) CRR to reduce risk-weighted exposure amounts (RWEA) on IRB securitisation positions with 1250% risk weight (RW).

Regulation (EU) No 575/2013 (CRR) · Art. 266

EBA Final Q&A

Answered 2019-01-11

Material exposure in connection with term "days past-due" in the definition of non-performing exposure

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

EBA Final Q&A

Answered 2019-01-11

Template F 16.01 - Interest income and expenses by instrument and counterparty sector

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

EBA Final Q&A

Answered 2019-01-11

Template F 16.01 - Interest income and expenses by instrument and counterparty sector

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

EBA Final Q&A

Answered 2019-01-11

Reclassification of own funds instruments from a grandfathered category to a fully eligible category and purpose of grandfathering provisions

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

EBA Final Q&A

Answered 2018-12-21

Consent for the provision of PIS and AIS

Directive 2015/2366/EU (PSD2) · Art. 66, 67 and 68

EBA Final Q&A

Answered 2018-12-21

Signature performed on the screen of a digital device as a factor in a two-factor SCA

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

EBA Final Q&A

Answered 2018-12-21

Access by AISPs when customer not present up to 4 times in a 24 hour period

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

EBA Final Q&A

Answered 2018-12-21

Exemptions from Strong Customer Authentication (SCA): trusted beneficiaries

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

EBA Final Q&A

Answered 2018-12-21

Exemption from strong customer authentication (SCA) for payment account information in combination with accessing account information online in web browser

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

EBA Final Q&A

Answered 2018-12-21

Calculation of fraud rates in relation to Exemption Threshold Values (ETVs)

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

EBA Final Q&A

Answered 2018-12-21

Large exposures - treatment of connected clients principle on exposures to other group entities outside prudential scope of consolidation

Regulation (EU) No 575/2013 (CRR) · Art. 400

EBA Final Q&A

Answered 2018-12-21

Credit Risk on Gold Bullion

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

EBA Final Q&A

Answered 2018-12-21

Treatment of a loan signed well in advance of a contractually agreed utilisation date (forward starting loan)

Regulation (EU) No 575/2013 (CRR) · Art. 166

EBA Final Q&A

Answered 2018-12-21

Methodology and input data (ESMA70-145-114_Q&A 5.13)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-12-18

Methodology and input data (ESMA70-145-114 Q&A 5.12)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-12-18

Applicability of exemption from strong customer authentication (SCA) under Article 17 for card payments

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

EBA Final Q&A

Answered 2018-12-14

Operation and security risk assessment of a branch of a credit institution

Directive 2015/2366/EU (PSD2) · Art. 95

EBA Final Q&A

Answered 2018-12-14

Interpretation of 'Active request for account information'

Directive 2015/2366/EU (PSD2) · Art. 67

EBA Final Q&A

Answered 2018-12-14

Major incidents reporting

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

EBA Final Q&A

Answered 2018-12-14

Applicability of Strong Customer Authentication (SCA) to existing recurring payments solutions

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

EBA Final Q&A

Answered 2018-12-14

Reporting of financial asset sales and write-offs in FINREP template F 02.00

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

EBA Final Q&A

Answered 2018-12-14

Criteria for the application of the transaction risk analysis (TRA) exemption – Fraud rate calculation methodology for the application of the TRA exemption

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

EBA Final Q&A

Answered 2018-12-07

Margin requirements (old CCP question 9 dated 3/12/2018)

Regulation 648/2012 - OTC derivatives, central counterparties and trade repositories (EMIR) - CCPs · Art. Article 41 of EMIR - old CCP question 9 dated 3/12/2018

ESMA Answer Published

Answered 2018-12-03

Deferral of variable remuneration in instruments

Directive 2013/36/EU (CRD) · Art. 94

EBA Final Q&A

Answered 2018-11-23

Calculation of 3 year indicator at consolidated level where figures for individual entities are negative

Regulation (EU) No 575/2013 (CRR) · Art. 315

EBA Final Q&A

Answered 2018-11-23

Identification of the relevant competent authority

Short Selling Regulation (SSR) Regulation (EU) No 236/2012

ESMA Answer Published

Answered 2018-11-14

Requirement imposed on market markers to post simultaneous two-way quotes of comparable size

Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets

ESMA Answer Published

Answered 2018-11-14

Application of the prohibition contained in Article 19(11) MAR to issuers

Market Abuse Regulation (MAR) Regulation (EU) No 596/2014 - Market Intergrity

ESMA Answer Published

Answered 2018-11-12

Risk warning prominence

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014 - Investor Protection and Intermediaries · Art. ESMA Decision 2018/795; ESMA Decision 2019/796

ESMA Answer Published

Answered 2018-11-09

Payments

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014 - Investor Protection and Intermediaries · Art. ESMA Decision 2018/795; ESMA Decision 2019/796

ESMA Answer Published

Answered 2018-11-09

Application of SCA when a PSU accesses payment transactions data older than on the last 90 days, without having access to sensitive payment data and for a period of 90 days after the last access using SCA

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

EBA Final Q&A

Answered 2018-11-09

FINREP. Validation rule v5468_m

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

EBA Final Q&A

Answered 2018-11-09

C 08.01 - validation rule v5739_h (applicable as of v2.7)

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

EBA Final Q&A

Answered 2018-11-09

Reporting of memorandum items behavioural outflow/inflow in the ALMM maturity ladder (C 66.01)

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

EBA Final Q&A

Answered 2018-11-09

IFRS 9, validation rule v1386_m

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

EBA Final Q&A

Answered 2018-11-09

Validation Rules v5014_m and v5015_m for FinRep nGAAP (v2.6)

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

EBA Final Q&A

Answered 2018-11-09

Treatment of a securities lending and borrowing service with regard to the LCR / Traitement d’un service de prêt et d’emprunt de titres en ce qui concerne le ratio de couverture des besoins de liquidité

Regulation (EU) No 575/2013 (CRR) · Art. 425

EBA Final Q&A

Answered 2018-11-09

Use of benchmarks: bilateral agreement on exchanged collateral (ESMA70-145-114_Q&A 5.11)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-11-07

Responsibility of national authority with regards to audit reports

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

EBA Final Q&A

Answered 2018-10-26

Review of Security Measures - Auditors expertise

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

EBA Final Q&A

Answered 2018-10-26

Review of the security measures: Audit report

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

EBA Final Q&A

Answered 2018-10-26

On the access to trusted beneficiaries lists (RTS Art 13) by TPPs in write mode

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

EBA Final Q&A

Answered 2018-10-26

Accessing payment account online in web browser shall exceed not 5 minutes without acitvity

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

EBA Final Q&A

Answered 2018-10-26

Criteria for the application of the transaction risk analysis (TRA) exemption – Application of the TRA exemption by authorized PSPs other than the issuer and the acquirer

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

EBA Final Q&A

Answered 2018-10-26

Persistent authentication for wearable devices

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

EBA Final Q&A

Answered 2018-10-26

EMV cards and EMV terminals supporting online authentication

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

EBA Final Q&A

Answered 2018-10-26

Criteria for the application of the transaction risk analysis (TRA) exemption – Application of the TRA exemption at the level of individual brand, product or scheme

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

EBA Final Q&A

Answered 2018-10-26

Small bank: bail-in or liquidation

Directive 2014/59/EU (BRRD) · Art. 31

EBA Final Q&A

Answered 2018-10-26

Source: EBA Single Rulebook Q&A, ESMA Q&A, EIOPA Q&A, ESA Joint Q&As. Updated weekly. Q&As are non-binding guidance.

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