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

Final Archive Pending Rejected All

Final — published answer Archive — superseded (EBA only) Pending — awaiting answer Rejected — out of scope or duplicate

7,005 Q&As · page 102 of 141

Obligatory nature of the SCA and exemption based on transaction risk analysis

Directive 2015/2366/EU (PSD2) · Art. Article 98 - RTS on SCA and CSC

EBA Final Q&A

Answered 2018-10-19

Does transaction monitoring need to be real time?

Directive 2015/2366/EU (PSD2) · Art. Article 95 - Management of operational and security risks

EBA Final Q&A

Answered 2018-10-05

Qualification of SMS OTP as an authentication factor

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

EBA Final Q&A

Answered 2018-10-05

Display of incorrect authentication factors in case of failed authentication attempts

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

EBA Final Q&A

Answered 2018-10-05

Article 473a(2) – Consideration of accounting provisions for FVOCI debt instruments

Regulation (EU) No 575/2013 (CRR) · Art. 473a

EBA Final Q&A

Answered 2018-10-05

Inconsistencies in validation rules v1974_h, v5447_m, v5475_m and v5443_m

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

EBA Final Q&A

Answered 2018-10-05

Follow-up to Q&A 2016_2609 - Template C 71.00

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

EBA Final Q&A

Answered 2018-10-05

Finrep. Validation rule v5443_m and others

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

EBA Final Q&A

Answered 2018-10-05

Validation rule v3129_m (FINREP template 18 and 19 IFRS 9)

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

EBA Final Q&A

Answered 2018-10-05

Validation rule v2707_m (FINREP template 18 IFRS 9)

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

EBA Final Q&A

Answered 2018-10-05

2.7 - Incorrect rules v0985_m and v0986_m

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

EBA Final Q&A

Answered 2018-10-05

Discrepancies between annotated table layout and EBA validation rules (e.g. v5351_m)

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

EBA Final Q&A

Answered 2018-10-05

Validation rules EBA_V4399 and EBA_V4400 warning on the tables P 02.04 and P 02.05

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

EBA Final Q&A

Answered 2018-10-05

Label of column 140 in C07.00 and validation rule v0008_h

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

EBA Final Q&A

Answered 2018-10-05

Can a market operator or an investment firm operating an MTF apply for a single segment of the MTF to be registered as an SME growth market?

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

ESMA Answer Published

Answered 2018-10-04

Provisions of Article 17(6) of MiFID II and of Chapter IV of RTS 6

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

ESMA Answer Published

Answered 2018-10-04

Order-counting methodology for bulk quotes

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

ESMA Answer Published

Answered 2018-10-04

Incentives to be provided under stressed market conditions by the trading venues

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

ESMA Answer Published

Answered 2018-10-04

Market making agreement for payment received from a trading venue

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

ESMA Answer Published

Answered 2018-10-04

Can a trading venue use its trading systems and platforms to arrange transactions that are then reported and ultimately executed on another trading venue?

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

ESMA Answer Published

Answered 2018-10-04

Best Execution

Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries

ESMA Answer Published

Answered 2018-10-03

Investment advice on an independent basis

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014 - Investor Protection and Intermediaries

ESMA Answer Published

Answered 2018-10-03

Delayed disclosure of inside information under Article 17(5) of MAR: NCA’s denial of consent

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

ESMA Answer Published

Answered 2018-10-01

Delayed disclosure of inside information under Article 17(5) of MAR: notification of the expected duration

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

ESMA Answer Published

Answered 2018-10-01

Delayed disclosure of inside information under Article 17(5) of MAR: assessment of the relevant conditions

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

ESMA Answer Published

Answered 2018-10-01

Rolling spot forex

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 2018-09-28

Family of benchmarks in the application for endorsement (ESMA70-145-114_Q&A 7.2)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-09-26

Language of the benchmark statement (ESMA70-145-114_Q&A 7.3)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-09-26

Written plans under Article 28(2) (ESMA70-145-114_Q&A 8.3)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-09-26

Written plans under Article 28(2) (ESMA70-145-114_Q&A 8.2)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-09-26

NAV of investment funds (ESMA70-145-114_Q&A 5.10)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-09-26

Use of benchmarks in certificates (ESMA70-145-114 Q&A_5.9)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-09-26

Financial instruments and systematic internalisers (ESMA70-145-114_Q&A 5.8)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESMA Answer Published

Answered 2018-09-26

Cash penalties: joint penalty mechanism

Central Securities Depositories Regulation (CSDR) Regulation (EU) No 909/2014- PTR- CSDR

ESMA Answer Published

Answered 2018-09-26

Field 14 and Field 17 – Total issued nominal amount

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP

ESMA Answer Published

Answered 2018-09-26

Interest Rate Swaps reporting

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP

ESMA Answer Published

Answered 2018-09-26

Interest Rate Swaps reporting

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP

ESMA Answer Published

Answered 2018-09-26

Book-entry form

Central Securities Depositories Regulation (CSDR) Regulation (EU) No 909/2014- PTR- CSDR

ESMA Answer Published

Answered 2018-09-26

Organisational requirements: general

Central Securities Depositories Regulation (CSDR) Regulation (EU) No 909/2014- PTR- CSDR

ESMA Answer Published

Answered 2018-09-26

FIRDS fields 8 to 11

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP

ESMA Answer Published

Answered 2018-09-26

FX Swaps reporting

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP

ESMA Answer Published

Answered 2018-09-26

Application of the exemption for transactions to trusted beneficiaries to Face-to-Face transactions

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

EBA Final Q&A

Answered 2018-09-21

Appropriate Risk Weight for purchased defaulted assets

Regulation (EU) No 575/2013 (CRR) · Art. 34, 105, 111

EBA Final Q&A

Answered 2018-09-21

Application of the definition of ‘speculative immovable property financing’ under the Standardised Approach

Regulation (EU) No 575/2013 (CRR) · Art. 4, 128

EBA Final Q&A

Answered 2018-09-21

Recalculation of thresholds of Article 48 CRR due to IFRS 9 transitional arrangements (Art. 473a)

Regulation (EU) No 575/2013 (CRR) · Art. 473a

EBA Final Q&A

Answered 2018-08-24

IFRS 9 Transitional arrangements - Definition of ‘t’

Regulation (EU) No 575/2013 (CRR) · Art. 473a

EBA Final Q&A

Answered 2018-08-03

Calculation of the sf factor as per Article 473a(7)(b) of Regulation (EU) No 575/2013 (CRR)

Regulation (EU) No 575/2013 (CRR) · Art. 473a

EBA Final Q&A

Answered 2018-08-03

Computing the amounts mentioned in Article 473a(2)(b) CRR, in case of the credit-impaired financial assets measured at amortised cost.

Regulation (EU) No 575/2013 (CRR) · Art. 473a

EBA Final Q&A

Answered 2018-08-03

Reporting of cash flows related to collateral management transactions in which collateral to be delivered/received is defined using the participants netting exposure

Regulation (EU) No 575/2013 (CRR) · Art. 422, 425

EBA Final Q&A

Answered 2018-08-03

Reporting of Assets received as collateral in GC pooling transactions

Regulation (EU) No 575/2013 (CRR) · Art. 416

EBA Final Q&A

Answered 2018-08-03

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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