EU Financial Regulatory Q&A Database

Calculation of “payment volume” for method B in the Article 9 of Directive EU 2015/36 (PSD2)

Directive 2015/2366/EU (PSD2) · Art. 9

Capacity of a CSD-banking service provider to convert into cash on a same-day basis collateral or investments through prearranged and highly reliable funding arrangements

Regulation (EU) No 909/2014 (CSDR) - only RTS 2017/390 · Art. 59

On the access to safeguarding accounts through the Application Programming Interface (API)

Directive 2015/2366/EU (PSD2) · Art. 4

“Triangular ” passport

Directive 2015/2366/EU (PSD2) · Art. 11(9), 19, 28

Disclosure Templates

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. N/A

Bill-payment via postal service

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

Clarification of meanings 'transferring of funds' and 'another payment service provider’ in the context of article 10(1)(a) of PSD2

Directive 2015/2366/EU (PSD2) · Art. 10

Ability of a creditor to change a mandate

Directive 2015/2366/EU (PSD2) · Art. 54 & 64

Safeguarding

Directive 2015/2366/EU (PSD2) · Art. 10

Calculating RWAs for the portion of the securitisation position benefitting from credit protection

Regulation (EU) No 575/2013 (CRR) · Art. 249

Collection of fees for utilities or other regular services

Directive 2015/2366/EU (PSD2) · Art. 4

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. 180

Reporting Templates

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. 35 of SII Directive

Reporting Templates

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. 35 of SII Directive

Reporting Templates

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. 35 of SII Directive

Treatment of credit risk exposure for credit institutions accessing the overnight deposit facility via a national central bank

Regulation (EU) No 575/2013 (CRR) · Art. 114

Original maturity of credit lines until further notice

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

Definition of 'past due' for the purpose of the LCR

Regulation (EU) No 575/2013 (CRR) · Art. 460

Distribution of retail and wholesale term deposits in the ASF tables of the NSFR report according to the remaining term of the contract.

Regulation (EU) No 575/2013 (CRR) · Art. 428j

Residual contractual maturity date applicable to commercial paper issued under a commercial paper program with a firm underwriting commitment to rollover

Regulation (EU) No 575/2013 (CRR) · Art. 428j

Display of negative interest rate in statement of fees

Directive 2014/92/EU (PAD) · Art. 5

Money broking

Directive 2013/36/EU (CRD) · Art. Annex I

Qualifying holdings assessment pursuant to the exercise of resolution powers

Directive 2014/59/EU (BRRD) · Art. 63

Interpretation of references to legal acts no longer in force

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

Net Stable Funding Ratio (NSFR) calculation by currency for foreign-exchange derivatives contracts

Regulation (EU) No 575/2013 (CRR) · Art. 428

Excess of collaterals after deduction from netting set for NSFR

Regulation (EU) No 575/2013 (CRR) · Art. 428d, 428k

Deduction of software

Regulation (EU) No 575/2013 (CRR) · Art. 36

Reporting Templates

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. Article 35 of SII Directive

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) · Art. N/A

Financial Instruments Reference Data

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. RTS 23

DLT MTF

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. RTS 24

Investor protection and marketing communication

Regulation 2020/1503 - European crowdfunding service providers for business

Investor protection and marketing communication

Regulation 2020/1503 - European crowdfunding service providers for business

Scope

Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU

Transaction reporting

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. MiFID RTS 22

Investor protection and marketing communication

Regulation 2020/1503 - European crowdfunding service providers for business

Transaction reporting

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. MiFID RTS 22

Financial Instruments Reference Data

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. RTS 23

Transaction reporting

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. MiFID RTS 22

Authorisation and supervision of CSPs

Regulation 2020/1503 - European crowdfunding service providers for business

Cancellations and corrections

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. MiFID RTS 22

General provisions

Regulation 2020/1503 - European crowdfunding service providers for business · Art. Article 1(2) ECSPR

Authorisation and supervision of CSPs

Regulation 2020/1503 - European crowdfunding service providers for business

Transaction reporting

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. MiFID RTS 22

Transaction reporting

Regulation (EU) 2022/858 - DLT Pilot Regime Regulation (DLTR) · Art. Article 26 RTS 22

Reporting (Art. 40 PEPP)

(EU) 2019/1238 - Pan-European Personal Pension Product (PEPP) · Art. 40

Multilateral and bilateral systems - Systematic internalisers

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

Reporting by IORPs

(EU) 2016/2341 - IORP II Directive · Art. N/A

Group Own funds

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. 222

Reporting Templates

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. Article 35 of SII Directive