EU Financial Regulatory Q&A Database

General provisions

Regulation 2020/1503 - European crowdfunding service providers for business

Investor protection and marketing communication

Regulation 2020/1503 - European crowdfunding service providers for business

General provisions

Regulation 2020/1503 - European crowdfunding service providers for business

If a financial product referred to in Article 8, paragraphs 1, 2 and 2a, or Article 9, paragraphs 1 to 4a, of Regulation (EU) 2019/2088 does not invest in companies with good governance, is that produ

SFDR

Do Articles 6 and 7 of Regulation (EU) 2019/2088 apply only for new financial products or also for existing financial products on the date of application, 10 March 2021 (even for those financial prod

SFDR

Article 17 of Regulation (EU) 2019/2088 exempts insurance intermediaries which provide insurance advice with regard to IBIPs and investment firms which provide investment advice that are enterprises i

SFDR

Considering that the reference to good governance in Article 8 of Regulation (EU) 2019/2088 only relates to 'companies', and that Article 9 of Regulation (EU) 2019/2088, via the definition of 'sustain

SFDR

Do financial advisers, when providing MiFID II investment advice, have to comply with disclosure obligations in Article 6(2) of Regulation (EU) 2019/2088 in good time before the client is bound by any

SFDR

For the purpose of the disclosure of principal adverse impacts under Article 4(5)(a) of Regulation (EU) 2019/208, when a financial adviser recommends financial products or instruments that are not col

SFDR

If a financial adviser only considers in its advisory process products which are not in scope of Regulation (EU) 2019/2088 (i.e. shares of listed companies, corporate bonds, etc.), should the financia

SFDR

Is it possible for financial market participants that are below the threshold set by Article 4(3) and (4) of Regulation (EU) 2019/2088 and choose not to consider adverse impacts of investment decision

SFDR

Definitions (Art. 2 IDD)

(EU) No 2016/97 - Insurance Distribution Directive · Art. 1(6) and 2

Review and evaluation

Central Securities Depositories Regulation (CSDR) Regulation (EU) No 909/2014- PTR- CSDR

Solvency Capital Requirement (SCR)

(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 · Art. Article 84(1) and 84(2) of the Commission Delegated Regulations 2015/35

Information and Communication Technology (ICT)

(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. Article 274(4) (k) and (l) of Commission Delegated Regulation (EU) 2015/35

Definitions (Art. 2 IDD)

(EU) No 2016/97 - Insurance Distribution Directive, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. Article 13 of the SII Directive

ASPSP restricting access for TPPs who embeds the redirect

Directive 2015/2366/EU (PSD2) · Art. 68

Payment Initiation Service - Batch payment / bulk payment

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

Application of the exemption under Article 10 RTS and EBICS T

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

Re-engineering by TPP of the ASPSP’s redirect API and PSU customer journey

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

SCA requirements with dynamic linking for mobile initiated credit transfers (MSCTs)

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

Clarification of remote payment for dynamic linking

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

Technical Provisions (TPs)

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

Own Funds (OF)

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

Reporting Templates

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

Reporting Templates

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

Reporting Templates

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

Risk concentration

(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. Article 335(1)f of the Delegated Regulation 2015/35

Application of the APM Guidelines in the context of COVID-19; Paragraphs 8, 17-19, 33, 34, 41 and 43 of the APM Guidelines.

Transparency Directive (TD) Directive 2004/109/EC

ESG factors reflected in the benchmark statement and methodology (ESMA 70-145-114 QAs on BMR Q&A 10.6)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESG factors reflected in the benchmark statement and methodology (ESMA 70-145-114 QAs on BMR Q&A 10.5)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESG factors reflected in the benchmark statement and methodology (ESMA70-145-114 QAs on BMR Q&A 10.4)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESG factors reflected in the benchmark statement and methodology (ESMA 70-145-114 QAs on BMR Q&A 10.3)

Benchmarks Regulation (BMR) - Regulation 2016/1011

ESG factors reflected in the benchmark statement and methodology (ESMA 70-145-114 QAs on BMRs Q&A 10.2)

Benchmarks Regulation (BMR) - Regulation 2016/1011

Labels used by issuers on ESG financial measures; Paragraphs 3, 4, 8, 17, 22, 33 of the APM Guidelines.

Transparency Directive (TD) Directive 2004/109/EC

ESG factors reflected in the benchmark statement and methodology (ESMA70-145-114 QAs on BMR Q&A 10.1)

Benchmarks Regulation (BMR) - Regulation 2016/1011

Application of the APM Guidelines to measures related to ESG matters; Paragraphs 3, 4, 17, 21, 22, 26, 33, 35, 37 and 41 of the APM Guidelines.

Transparency Directive (TD) Directive 2004/109/EC

Chief Risk Officer (CRO) Chairman Credit Risk Committee

Directive 2013/36/EU (CRD) · Art. 76

Treatment of tax accounts

Regulation (EU) No 575/2013 (CRR) · Art. 416

Classification of “Undrawn term loans” under Article 23(1)(b) LCR DA

Regulation (EU) No 575/2013 (CRR) · Art. 412

Fulfilment of conditions reported under Article 45(a) CRR for a synthetic holding held in the banking book and with a maturity less than 1 year

Regulation (EU) No 575/2013 (CRR) · Art. 45

Definition of short position

Regulation (EU) No 575/2013 (CRR) · Art. 45

Transactions in the banking book where no strike is available

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

Client servicing in the definition of the trading book

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

Reporting of Nominal value per unit and minimum traded value

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP

MiFIR data reporting - LEI of the issuer

Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP

MiFIR data reporting - Instrument identification code and Underlying instrument code

Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP

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. Article 35 of SII Directive

Currency for the Overview and Margin reports (Guidelines on calculation of positions in SFTs by trade repositories)

Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP

Technical Provisions (TPs)

Guidelines on valuation of technical provisions · Art. Guideline 68