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 129 of 141
C 14.00 – DETAILED INFORMATION ON SECURITISATIONS (SEC DETAILS) - FIELD 030
Regulation (EU) No 575/2013 (CRR) · Art. N/A
EBA Final Q&A
Answered 2014-09-26
Scope of the CR IRB template
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-26
Maturity Buckets for LE4 and LE5- Amount to be considered.
Regulation (EU) No 575/2013 (CRR) · Art. 394
EBA Final Q&A
Answered 2014-09-26
Publication of administrative penalties
Directive 2013/36/EU (CRD) · Art. 68
EBA Final Q&A
Answered 2014-09-26
Definition of term "member state"
Regulation (EU) No 575/2013 (CRR) · Art. 4
EBA Final Q&A
Answered 2014-09-26
Exemptions from deduction for CET1 items
Regulation (EU) No 575/2013 (CRR) · Art. 48
EBA Final Q&A
Answered 2014-09-26
Definition of the words "on group basis"
Regulation (EU) No 575/2013 (CRR) · Art. 411
EBA Final Q&A
Answered 2014-09-26
Own funds deduction (granted subordinated loan)
Regulation (EU) No 575/2013 (CRR) · Art. 66
EBA Final Q&A
Answered 2014-09-26
Interaction between Qualified CCPs and Reporting
Regulation (EU) No 575/2013 (CRR) · Art. Article 306, 107, 112 and 122
EBA Final Q&A
Answered 2014-09-26
Definition of financial customers in Article 411 (1) of CRR regarding corporate trusts with a single fixed individual beneficiary
Regulation (EU) No 575/2013 (CRR) · Art. 411
EBA Final Q&A
Answered 2014-09-26
Calculation of the own funds requirements for market risk for positions in specific instruments, e.g. weather derivatives, emission certificates and inflation-linked products
Regulation (EU) No 575/2013 (CRR) · Art. 339, 340, 363
EBA Final Q&A
Answered 2014-09-19
Under the large exposure regime Article 390 (6)(e) of CRR provides an exemption for deduction of items according to article 36, 56 and 66. These deducted items must not be considered in the large exposure regime.
Regulation (EU) No 575/2013 (CRR) · Art. 133 versus 390
EBA Final Q&A
Answered 2014-09-19
Calculation of foreign exchange position for non-FX derivatives denominated in foreign currency
Regulation (EU) No 575/2013 (CRR) · Art. 352
EBA Final Q&A
Answered 2014-09-12
Risks other than Delta for non-linear products
Regulation (EU) No 575/2013 (CRR) · Art. 329, 352, 358
EBA Final Q&A
Answered 2014-09-12
Recognition of credit derivatives for protection buyer
Regulation (EU) No 575/2013 (CRR) · Art. 273
EBA Final Q&A
Answered 2014-09-12
Choice of method for commodities risk when an entity has 2 different business lines
Regulation (EU) No 575/2013 (CRR) · Art. 355
EBA Final Q&A
Answered 2014-09-12
Non Credit Obligation Assets
Regulation (EU) No 575/2013 (CRR) · Art. 148
EBA Final Q&A
Answered 2014-09-12
What value should be used by a CCP as the reduced potential future credit exposure for securities financing transactions to calculate the concentration factor (β)?
Regulation (EU) No 575/2013 (CRR) · Art. 520
EBA Final Q&A
Answered 2014-09-12
C 14.00 – DETAILED INFORMATION ON SECURITISATIONS (SEC DETAILS) - FIELD 100
Regulation (EU) No 575/2013 (CRR) · Art. N/A
EBA Final Q&A
Answered 2014-09-05
C 14.00 – DETAILED INFORMATION ON SECURITISATIONS (SEC DETAILS) - FIELD 300
Regulation (EU) No 575/2013 (CRR) · Art. N/A
EBA Final Q&A
Answered 2014-09-05
C 14.00 – DETAILED INFORMATION ON SECURITISATIONS (SEC DETAILS) - FIELD 210
Regulation (EU) No 575/2013 (CRR) · Art. N/A
EBA Final Q&A
Answered 2014-09-05
C 14.00 – DETAILED INFORMATION ON SECURITISATIONS (SEC DETAILS) - FIELD 050
Regulation (EU) No 575/2013 (CRR) · Art. N/A
EBA Final Q&A
Answered 2014-09-05
C 14.00 – DETAILED INFORMATION ON SECURITISATIONS (SEC DETAILS) - FIELD 020
Regulation (EU) No 575/2013 (CRR) · Art. N/A
EBA Final Q&A
Answered 2014-09-05
C 14.00 – DETAILED INFORMATION ON SECURITISATIONS (SEC DETAILS) - FIELD 090
Regulation (EU) No 575/2013 (CRR) · Art. N/A
EBA Final Q&A
Answered 2014-09-05
C 07.00 CR SA STD Column 215: which amount should be display in Column 215 for exposures NOT subject to SME-supporting factor? Should we display 0 or the amount of risk weighted assets?
Regulation (EU) No 575/2013 (CRR) · Art. Article 113, 501
EBA Final Q&A
Answered 2014-09-05
Annex XV Validation formulae
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
Discrepancy between taxonomy expectation and ITS
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
Inconsistency between taxonomy and ITS - report CR SA
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
Label discrepancy
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
C21 Additional requirements for options (non-delta risks) : reporting requirements
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
Inconsistency between taxonomy and ITS - MKR SA TDI
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
C0700 : Descrepancy between Taxonomy and ITS
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
COREP NACE codes
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
Instructions - Annex II CRSA
Regulation (EU) No 575/2013 (CRR) · Art. 500 and 501
EBA Final Q&A
Answered 2014-09-05
Reporting of credit risk mitigation on the CR IRB template (C 08.01)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-09-05
109
Guidelines on submission of information to NCAs (Preparatory phase) · Art. 35
EIOPA
Answered 2014-09-04
Eligibility of subordinated loans for classification as Tier 2 instruments when the rules governing their issue contemplate an obligation of the issuer to repurchase a percentage of them (eligibility limited to the amount of subordinated loans not subject to such repurchase obligation).
Regulation (EU) No 575/2013 (CRR) · Art. 63, 66
EBA Final Q&A
Answered 2014-08-29
Own Funds - Subordinated loans as Tier 2 instruments
Regulation (EU) No 575/2013 (CRR) · Art. 63
EBA Final Q&A
Answered 2014-08-29
Validation Rule
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-08-29
Validation Rule
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-08-29
Validation Rule
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-08-29
Validation Rule
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-08-29
Bestimmung der Forderungsklasse von Zentralbanken mit Gesellschaftsform Aktiengesellschaft (EN: Determination of the exposure class for central banks that take the form of a public limited company)
Regulation (EU) No 575/2013 (CRR) · Art. 112, 147
EBA Final Q&A
Answered 2014-08-29
Capital eligibility in relation to intragroup guarantees - interpretation of "seniority"
Regulation (EU) No 575/2013 (CRR) · Art. 28, 52, 63
EBA Final Q&A
Answered 2014-08-22
Validations FINREP
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-08-22
FINREP Template F20.4 (r210,r230)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-08-22
Underwriting Commitments
Regulation (EU) No 575/2013 (CRR) · Art. 429b, 429f
EBA Final Q&A
Answered 2014-08-22
Definition of assets with an undefined maturity date
Regulation (EU) No 575/2013 (CRR) · Art. 425
EBA Final Q&A
Answered 2014-08-22
Large exposures - major trading currencies in overnight transactions
Regulation (EU) No 575/2013 (CRR) · Art. 395, 400, 400 and 493
EBA Final Q&A
Answered 2014-08-22
Audit of the FINREP figures
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-08-22
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