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.
Final — published answerArchive — superseded (EBA only)Pending — awaiting answerRejected — out of scope or duplicate
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 11 of 141
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-06-06
Reporting by IORPs
EIOPA-BoS-23-030 - Regular information requests regarding provision of occupational pensions information
EIOPA
Answered 2025-06-06
Proprietary trading under MICA
MiCA
ESMA Answer Published
Answered 2025-06-06
Future incorporation by reference of financial information, which will be permitted once Article 19 PR is amended by the Listing Act
Prospectus Regulation 2017/1129
ESMA Answer Published
Answered 2025-06-06
Future incorporation by reference of financial information, which will be permitted once Article 19 PR is amended by the Listing Act
Prospectus Regulation 2017/1129
ESMA Answer Published
Answered 2025-06-06
The interaction between the EU Green Bond Regulation (EuGBR) and the Prospectus Regulation
Prospectus Regulation 2017/1129
ESMA Answer Published
Answered 2025-06-06
Future incorporation by reference of financial information, which will be permitted once Article 19 PR is amended by the Listing Act
Prospectus Regulation 2017/1129
ESMA Answer Published
Answered 2025-06-06
Future incorporation by reference of financial information, which will be permitted once Article 19 PR is amended by the Listing Act
Prospectus Regulation 2017/1129
ESMA Answer Published
Answered 2025-06-06
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-06-06
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-06-06
Definitions (Art. 2 IDD)
(EU) No 2016/97 - Insurance Distribution Directive · Art. 2
EIOPA
Answered 2025-06-05
Group Solvency Requirement
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. 335; 336(a);
EIOPA
Answered 2025-06-05
Does DORA also apply to non-EU AIFM?
Regulation (EU) 2022/2554 - The Digital Operational Resilience Act (DORA)
ESMA Answer Published
Answered 2025-05-27
C_25.01.b Datapoint Modelling
Regulation (EU) No 575/2013 (CRR) · Art. n/a
EBA Final Q&A
Answered 2025-05-23
Clarification of reporting of lending or financing where the use of proceeds is unknown in row 440 from Template 7 (ESG Disclosure)
Regulation (EU) No 575/2013 (CRR) · Art. 449a
EBA Final Q&A
Answered 2025-05-23
Application of recognised SyRB on a consolidated basis
Directive 2013/36/EU (CRD) · Art. 133, 134
EBA Final Q&A
Answered 2025-05-23
Answered 2025-05-16
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-05-15
Risk Free Rate (RFR)
Risk-Free Interest Rate - General questions
EIOPA
Answered 2025-05-15
Reporting by IORPs, Reporting Templates
(EU) 2016/2341 - IORP II Directive
EIOPA
Answered 2025-05-08
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision · Art. CIC classification
EIOPA
Answered 2025-05-08
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-05-08
Compliance of non-bank PSPs with the safeguarding requirements in PSD2
Directive 2015/2366/EU (PSD2) · Art. 10
EBA Final Q&A
Answered 2025-05-08
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-05-08
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-05-08
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-05-08
5. Should entry costs be included in the 10 000 EUR amount referred to point 90 of Annex VI of the
PRIIPs Delegated Regulation?
PRIIPs
Joint Committee Final
Answered 2025-05-05
According to the PRIIPs Delegated Regulation, if the MRM class changes to a different MRM class, the
PRIIP manufacturer shall attribute the corresponding MRM class to the MRM class which the PRIIP
has
PRIIPs
Joint Committee Final
Answered 2025-05-05
Point 35 of the Annex IV on Performance Scenarios states that ‘the values to be shown for the
intermediate periods for the unfavourable, moderate and favourable scenarios shall be calculated in
accord
PRIIPs
Joint Committee Final
Answered 2025-05-05
What is the meaning of ‘1 year’ and ‘> 1 year’ in the table in paragraph 18 of Annex IV of PRIIPs L2?
Specifically, we wonder whether ‘1 year’ encompasses all Recommended Holding Periods (RHPs)
under
PRIIPs
Joint Committee Final
Answered 2025-05-05
Point 26 of Annex IV reads: ‘For Category 3 PRIIPs, the following adjustments shall be made for the
calculation of the stress scenario compared to the calculation for Category 2 PRIIPs: (a) infer the
PRIIPs
Joint Committee Final
Answered 2025-05-05
Risk Free Rate (RFR)
Risk-Free Interest Rate - General questions
EIOPA
Answered 2025-04-30
Answered 2025-04-30
Other
Symmetric adjustment of the equity capital charge
EIOPA
Answered 2025-04-30
Solvency Capital Requirement (SCR)
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. 84
EIOPA
Answered 2025-04-30
Own Funds (OF)
Guidelines on classification of own funds
EIOPA
Answered 2025-04-30
Reporting Templates
(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities
EIOPA
Answered 2025-04-30
Solvency Capital Requirement (SCR)
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. 192
EIOPA
Answered 2025-04-30
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-04-30
Reporting Templates
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision · Art. Captives - Article 4(4)(5)
EIOPA
Answered 2025-04-30
Reporting Templates, Captive
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision · Art. 19
EIOPA
Answered 2025-04-30
Risk Free Rate (RFR)
Risk-Free Interest Rate - General questions · Art. Unusual spike at 10 year tenor in January 2025 RFR no VA curve
EIOPA
Answered 2025-04-29
Packaged retail and insurance-based investment products (PRIIPs)
(EU) 2017/653 - PRIIPs Delegated Regulation for key information document, (EU) No 1286/2014 - PRIIPs Regulation · Art. Point 78 of Annex VI of the PRIIPs Delegated Regulation; Article 6(1) of PRIIPs Regulation
EIOPA
Answered 2025-04-11
Risk Free Rate (RFR)
Risk-Free Interest Rate - General questions
EIOPA
Answered 2025-04-11
Own Risk and Solvency Assessment (ORSA)
(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) · Art. 45 of SII Directive; 306 of DR (EU) 2015/35
EIOPA
Answered 2025-04-11
Counterparty classification
Regulation (EU) No 575/2013 (CRR) · Art. Annex V Part 1
EBA Final Q&A
Answered 2025-04-11
Scaling of gross JTD amounts of securitisation tranches with a maturity less than one year
Regulation (EU) No 575/2013 (CRR) · Art. 325z
EBA Final Q&A
Answered 2025-04-11
Definition of Delta GIRR risk-free interest rate curves
Regulation (EU) No 575/2013 (CRR) · Art. 325l
EBA Final Q&A
Answered 2025-04-11
Reporting Templates, Validations
(EU) 2023/894 - ITS with regard to the templates for the submission of information necessary for supervision
EIOPA
Answered 2025-04-11
Intragroup transactions in calculation of net positions and own funds requirements for FX risk
Regulation (EU) No 575/2013 (CRR) · Art. 325b
EBA Final Q&A
Answered 2025-04-11
← Previous 1 9 10 11 12 13 141 Next → Source: EBA Single Rulebook Q&A , ESMA Q&A , EIOPA Q&A , ESA Joint Q&As . Updated weekly. Q&As are non-binding guidance.