EU Financial Regulatory Q&A Database

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

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

Application of the exemption under Article 10 RTS and EBICS T

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

Payment Initiation Service - Batch payment / bulk payment

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

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

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

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

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

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 (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 10.5)

Benchmarks Regulation (BMR) - Regulation 2016/1011

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

Benchmarks Regulation (BMR) - Regulation 2016/1011

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

MiFIR data reporting - Instrument identification code and Underlying instrument code

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

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

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

Technical Provisions (TPs)

(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. Article 17 and 28 of the Delegated Regulation 2015/35; Article 76.4 of the Solvency II Directive

Estimation of default probability and loss given default under the internal default risk model for a trading book position, where those estimates are not available at trade date under an approved IRB approach

Regulation (EU) No 575/2013 (CRR) · Art. 325bp

Application of the provisions described in paragraphs 10 to 12 of Article 133 (systemic risk buffer, SyRB)

Directive 2013/36/EU (CRD) · Art. 133

Subcontractor of electronic money distributor

Directive 2009/110/EC (EMD) · Art. 3

Interaction between 45f(3) and 45f(4) BRRD

Directive 2014/59/EU (BRRD) · Art. 45f

Topping-up e-money accounts with voucher-based products

Directive 2009/110/EC (EMD) · Art. 2 and 3

Fees on issuing eletronic money

Directive 2009/110/EC (EMD) · Art. 11

Access to account for FinTech Solutions that incorporate regulated services

Directive 2015/2366/EU (PSD2) · Art. 4, 66 and 67

Money Remittance

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

Acquisition and money remittance payment service

Directive 2015/2366/EU (PSD2) · Art. 4.12, 4.24, 4.44, 10, 87.2 and Recital 37