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 105 of 141
Other groups or colleges in Articles 88(6) and 89(4)
Directive 2014/59/EU (BRRD) · Art. 88, 89
EBA Final Q&A
Answered 2018-03-02
Clarification on the authority responsible for the DGS
Directive 2014/59/EU (BRRD) · Art. 88
EBA Final Q&A
Answered 2018-03-02
Enforce a third country resolution proceeding
Directive 2014/59/EU (BRRD) · Art. 94
EBA Final Q&A
Answered 2018-03-02
Reference to Chapter III in Article 96(3)(b)
Directive 2014/59/EU (BRRD) · Art. 96
EBA Final Q&A
Answered 2018-03-02
Deduction requirements in accordance with Article 36(1) (f), (h) and (i) CRR: Netting of long and short positions in intermediate entities in the context of Article 15e (7) of Delegated Regulation (EU) No 241/2014 (“RTS Own Funds”)
Regulation (EU) No 575/2013 (CRR) · Art. 36
EBA Final Q&A
Answered 2018-03-02
CIU Correlation Test
Regulation (EU) No 575/2013 (CRR) · Art. 350
EBA Final Q&A
Answered 2018-03-02
Calculation of original and residual maturities in the context of ALMM (C 66.01) for puttable bonds
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-03-02
Treatment of Credit Unions in C 68.00 ALMM Reporting
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-03-02
Reported currency by issuer/counterparty on a total level (in the Total sheet)
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-03-02
Treatment of cash provided as a collateral under issued guarantees and letters of credit
Regulation (EU) No 575/2013 (CRR) · Art. 421, 421, 422
EBA Final Q&A
Answered 2018-03-02
Can the same issuer / counterparty appear more than once in the top 10 of template C 71.00 based on currency?
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-03-02
Concentration of funding by counterparty (C 67.00) ranking
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-03-02
Minimum size of orders held in an order management facility for non-equity financial instruments
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- Secondary Markets · Art. Regulation 2017/583- RTS on transparency requirements in respect of non-equity financial instruments (RTS 2)
ESMA Answer Published
Answered 2018-02-07
Ancillary services
Central Securities Depositories Regulation (CSDR) Regulation (EU) No 909/2014- PTR- CSDR
ESMA Answer Published
Answered 2018-02-06
Commodity benchmarks (ESMA70-145-114 Q&A_4.5)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2018-02-05
Definition of a benchmark in relation to investment funds (ESMA70-145-114 Q&A_5.6)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2018-02-05
Definition of a benchmark in relation to investment funds (ESMA70-145-114 Q&A_5.4)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2018-02-05
Definition of a benchmark in relation to investment funds (ESMA70-145-114 Q&A_5.5)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2018-02-05
Shares - Covering a short sale with claims to as yet unissued shares (subscription rights, convertible bonds)
Short Selling Regulation (SSR) Regulation (EU) No 236/2012
ESMA Answer Published
Answered 2018-02-05
Reference to value in Article 48(2)
Directive 2014/59/EU (BRRD) · Art. 48
EBA Final Q&A
Answered 2018-01-26
Write down or convert bail-inable liabilities following Article 48(3)
Directive 2014/59/EU (BRRD) · Art. 48
EBA Final Q&A
Answered 2018-01-19
Calculation of the position for holdings of financial sector entities with the same underlying exposure
Regulation (EU) No 575/2013 (CRR) · Art. 45, 59, 69
EBA Final Q&A
Answered 2018-01-19
Calculation of general risk capital requirement for underwriting commitment regarding bond issuance and bond issuance programs under duration-based method specified in Article 340 of the CRR.
Regulation (EU) No 575/2013 (CRR) · Art. 340
EBA Final Q&A
Answered 2018-01-19
Recognition of non cash variation margin in the calculation for replacement cost of derivatives for Leverage Ratio
Regulation (EU) No 575/2013 (CRR) · Art. 429a
EBA Final Q&A
Answered 2018-01-19
References to items covered by a Deposit Guarantee scheme in the instructions on r070 and r090 of C 68.00
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Definition of 'carrying amount' for the purposes of templates C 67.00, C 68.00 and C 69.00
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Coins and banknotes in counterbalancing capacity ALMM
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
C 69.00, Prices for various lengths of funding - Spreads calculated in different currencies
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
C 67.00 Concentration of funding by counterparties- Cash collateral received for derivatives
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
C 67.00, Concentration of funding by counterparties- third party mandates
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Difference between 'product type' and 'product category' and clarification on product type reporting (Annex XIX, part 1.3, template C 68.00)
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Template C 69.00 - Prices for the Various Lenghts of Funding - follow-up to Q&As 2015_1901 and 2015_2204
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
The treatment of Physical Stock balances
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Reporting of individuals/households names in template C 67.00
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Reporting of currency for undrawn committed facilities in Concentration of Counterbalancing Capacity template C 71.00
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Counterparty details for central bank eligible assets in Concentration of Counterbalancing Capacity template C 71.00
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Prices for Various Lengths of Funding-currency spreads
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2018-01-12
Cap on the own funds requirement for a net position
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2017-12-22
Validointissääntö e4900_n, C 07.00 Standardimenetelmän mukaiset pääomavaatimukset (Validation rule e4900_n: C 07.00 Capital requirements according to the standard method)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2017-12-22
Amended validation rule v3693_s in v2.6
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2017-12-22
Validation rule v4886_m
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2017-12-22
Inducements
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2017-12-18
Suitability and appropriateness
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2017-12-18
Inducements
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2017-12-18
Inducements
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2017-12-18
Reference price waiver and multi-listed shares
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- Secondary Markets
ESMA Answer Published
Answered 2017-12-18
Application of MiFID II after 3 January 2018, including issues of ‘late transposition’
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets
ESMA Answer Published
Answered 2017-12-18
Position reporting
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets
ESMA Answer Published
Answered 2017-12-15
Position reporting
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets
ESMA Answer Published
Answered 2017-12-15
Spot month
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Secondary Markets
ESMA Answer Published
Answered 2017-12-15
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