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Final — published answerArchive — superseded (EBA only)Pending — awaiting answerRejected — out of scope or duplicate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 133 of 141
Identifying the forborne exposures
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-04-04
COREP CR IRB - Calculation of column 10
Regulation (EU) No 575/2013 (CRR) · Art. 180
EBA Final Q&A
Answered 2014-04-04
COREP template C43.00 - Breakdown of leverage ratio exposure measure components
Regulation (EU) No 575/2013 (CRR) · Art. Article 429
EBA Final Q&A
Answered 2014-04-04
Article 415 and the treatment of forward starting collateral swaps.
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2014-04-04
Change in Fair Value
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-04-04
Effective date of Part 8 of CRR – Disclosure by Institutions
Regulation (EU) No 575/2013 (CRR) · Art. 521, 433
EBA Final Q&A
Answered 2014-04-04
Inconsistency in validation rules v0532_m.
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-04-04
Methods for prudential consolidation
Regulation (EU) No 575/2013 (CRR) · Art. 8, 11, 18
EBA Final Q&A
Answered 2014-04-04
Cash Inflows with symmetrical weights
Regulation (EU) No 575/2013 (CRR) · Art. 422, 422, 425
EBA Final Q&A
Answered 2014-04-04
Scope of LE5 template: Maturity buckets of the 10 largest exposures to institutions and the 10 largest exposures to unregulated financial entities: detail of the exposures to individual clients within groups of connected clients
Regulation (EU) No 575/2013 (CRR) · Art. 394 (4)
EBA Final Q&A
Answered 2014-04-04
Inclusion of ancillary services undertakings in prudential consolidation
Regulation (EU) No 575/2013 (CRR) · Art. 18
EBA Final Q&A
Answered 2014-04-04
Reporting of investments in subsidiaries that are not included in the prudential scope consolidation.
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-04-04
Correct consideration of the saving accounts in the LCR calculation of outflows following Article 421 (5) of Regulation (EU) No 575/2013 (CRR)
Regulation (EU) No 575/2013 (CRR) · Art. 421
EBA Final Q&A
Answered 2014-04-04
Treatment of collateral posted from client to clearing Member in Large Exposures
Regulation (EU) No 575/2013 (CRR) · Art. 4, 305, 306, 390
EBA Final Q&A
Answered 2014-03-28
Cash Inflows excluded from inflow cap
Regulation (EU) No 575/2013 (CRR) · Art. 425, 129
EBA Final Q&A
Answered 2014-03-28
Reporting of Collateral of Covered Bonds
Regulation (EU) No 575/2013 (CRR) · Art. 100 and 95a
EBA Final Q&A
Answered 2014-03-28
Stock financing
Regulation (EU) No 575/2013 (CRR) · Art. 357
EBA Final Q&A
Answered 2014-03-28
Inconsistent wording/references between reporting templates and ITS
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2014-03-28
Exclusion of eligible CVA hedges from the specific risk capital requirements (market risk)
Regulation (EU) No 575/2013 (CRR) · Art. 386
EBA Final Q&A
Answered 2014-03-28
Alternative treatment of the exposure measure: Notional amount
Regulation (EU) No 575/2013 (CRR) · Art. 430 (1)
EBA Final Q&A
Answered 2014-03-28
Reporting treatment of forward starting trades
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2014-03-28
Treatment of clients' exposures
Regulation (EU) No 575/2013 (CRR) · Art. 302(2)(b)
EBA Final Q&A
Answered 2014-03-28
Reporting of credit & liquidity facilities art 424.(5)
Regulation (EU) No 575/2013 (CRR) · Art. 424
EBA Final Q&A
Answered 2014-03-28
Reporting of repos and reverse repos with underlying liquid asset collateral
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2014-03-28
Counterparty Credit Risk
Regulation (EU) No 575/2013 (CRR) · Art. 273
EBA Final Q&A
Answered 2014-03-28
Registration of EuSEF and EuVECA managers
European Social Entrepreneurship Funds Regulation (EuSEF) Regulation (EU) No 346/2013
ESMA Answer Published
Answered 2014-03-26
Management and marketing of AIFs by EuSEF and EuVECA managers
European Social Entrepreneurship Funds Regulation (EuSEF) Regulation (EU) No 346/2013
ESMA Answer Published
Answered 2014-03-26
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
KIID Financial indices
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC
ESMA Answer Published
Answered 2014-03-24
Subordinated Debt holdings
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-03-21
Template C18.00 - Market Risk: Standardised Approach for Position Risks in Traded Debt Instruments (MKR SA TDI)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-03-21
Add precisions about (CA4) rows 660 and 670
Regulation (EU) No 575/2013 (CRR) · Art. 60-70
EBA Final Q&A
Answered 2014-03-21
Accumulated Changes in Fair Value due to Credit Risk
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-03-21
Validations
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-03-21
Application of definition of forborne items, described in the EBA final draft ITS on supervisory reporting on forbearance and non-performing expoures under article 99(4) of Regulation (EU) No 575/2013
Regulation (EU) No 575/2013 (CRR) · Art. Article 99 (4)
EBA Final Q&A
Answered 2014-03-21
Description definitions
Regulation (EU) No 575/2013 (CRR) · Art. FINREP 5. Breakdown of Loan and advances by product
EBA Final Q&A
Answered 2014-03-21
Reporting of derivatives
Regulation (EU) No 575/2013 (CRR) · Art. 100
EBA Final Q&A
Answered 2014-03-21
Definition of a group of connected clients as 'institution' or 'unregulated financial entity'
Regulation (EU) No 575/2013 (CRR) · Art. 394
EBA Final Q&A
Answered 2014-03-21
Format of NACE code to be reported (Annex IX, 5. LE1 template identification of the counterparty, instruction to column 060 NACE code)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2014-03-21
0% Risk Weight Exposure Public Sector Entities
Regulation (EU) No 575/2013 (CRR) · Art. Art. 116 & Art. 120
EBA Final Q&A
Answered 2014-03-21
Original Exposure pre-conversion Factors
Regulation (EU) No 575/2013 (CRR) · Art. 111
EBA Final Q&A
Answered 2014-03-21
Contradiction between CRR and Draft ITS on Supervisory Reporting of Off-balance items
Regulation (EU) No 575/2013 (CRR) · Art. 111
EBA Final Q&A
Answered 2014-03-21
← Previous 1 131 132 133 134 135 141 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.