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 46 of 141
Definition of retail deposits which meet conditions from Article 25(2)(d) LCR Amending Act
Regulation (EU) No 575/2013 (CRR) · Art. 421
EBA Final Q&A
Answered 2022-02-11
Pending credit offers
Regulation (EU) No 575/2013 (CRR) · Art. 424
EBA Final Q&A
Answered 2022-02-11
Consolidated supervision
Regulation (EU) No 575/2013 (CRR) · Art. 11
EBA Final Q&A
Answered 2022-02-11
Issues related to para (89) of the EBA/GL/2017/16 with regards to the calibration procedure of the PD models to be conducted “after taking into account any overrides applied in the assignment of obligors to grades or pools”
Regulation (EU) No 575/2013 (CRR) · Art. 160, 163,172
EBA Final Q&A
Answered 2022-02-11
Risk weight attribution to loans guaranteed by third counterparties in NSFR
Regulation (EU) No 575/2013 (CRR) · Art. 428af
EBA Final Q&A
Answered 2022-02-11
Residential Reverse mortgages RWA
Regulation (EU) No 575/2013 (CRR) · Art. 124
EBA Final Q&A
Answered 2022-02-11
Unutilised Limits of Guarantess
Regulation (EU) No 575/2013 (CRR) · Art. 389
EBA Final Q&A
Answered 2022-02-11
Interim profits attributable to minority shareholders
Regulation (EU) No 575/2013 (CRR) · Art. 26
EBA Final Q&A
Answered 2022-02-11
Calculation of the number of obligors
Regulation (EU) No 575/2013 (CRR) · Art. 4
EBA Final Q&A
Answered 2022-02-11
Eligibility Criteria for Tier 2 Capital in light of the replacement of LIBOR/EURIBOR
Regulation (EU) No 575/2013 (CRR) · Art. 63
EBA Final Q&A
Answered 2022-02-11
Freedom of establishment (Art. 6 IDD)
(EU) No 2016/97 - Insurance Distribution Directive · Art. N/A
EIOPA
Answered 2022-02-10
Reporting Templates
(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. N/A
EIOPA
Answered 2022-02-10
Reporting Templates
(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. N/A
EIOPA
Answered 2022-02-10
Pensions Reporting
(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. N/A
EIOPA
Answered 2022-02-10
Reporting Templates
(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. N/A
EIOPA
Answered 2022-02-10
C34.08 report - define the collaterals considering the both legs of the securities financing transactions (SFTs)
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Reporting of items deducted from T1 in RWA columns in C43 (Breakdown of LR Measure)
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Calculation of past due days
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Template F 12.1a
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Template F 22.02: Assets involved in the services provided
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Reporting of Securitisation Exposures in Template C43.00
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
C_81.00 ASF from capital items and instruments
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Scope of COREP template C34.08 only CCP exposure?
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Application of CRR Article 272(12) to SFT population within CoRep Template C34.02
Regulation (EU) No 575/2013 (CRR) · Art. Article 430
EBA Final Q&A
Answered 2022-02-04
Adjustments to RWA for DTA related to timing differences due to IFRS 9 transitional arrangements in template C5.01.
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Interest expenses categories
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Reporting the income or expense resulting from the recalculation of the carrying amount of the financial asset or financial liability as prescribed by IFRS 9.B5.4.6.
Regulation (EU) No 575/2013 (CRR) · Art. 430
EBA Final Q&A
Answered 2022-02-04
Temporary disruptions to the provision of a benchmark in the context of Article 28(2) of the BMR (ESMA70-145-114 QAs on BMR Q&A 8.6)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2022-01-28
Investor protection and marketing communication
Regulation 2020/1503 - European crowdfunding service providers for business
ESMA Answer Published
Answered 2022-01-28
Investor protection and marketing communication
Regulation 2020/1503 - European crowdfunding service providers for business
ESMA Answer Published
Answered 2022-01-28
Investor protection and marketing communication
Regulation 2020/1503 - European crowdfunding service providers for business
ESMA Answer Published
Answered 2022-01-28
Investor protection and marketing communication
Regulation 2020/1503 - European crowdfunding service providers for business
ESMA Answer Published
Answered 2022-01-28
Investor protection and marketing communication
Regulation 2020/1503 - European crowdfunding service providers for business
ESMA Answer Published
Answered 2022-01-28
Cross-selling (Art. 24 IDD)
(EU) No 2016/97 - Insurance Distribution Directive · Art. 24
EIOPA
Answered 2022-01-28
Product oversight and governance arrangements (Art. 25 IDD)
(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 · Art. Article 25 of IDD; Articles 8 and 11 of Delegated Regulation (EU) No 2017/2358
EIOPA
Answered 2022-01-28
State guarantee of newly issued liabilities
Directive 2014/59/EU (BRRD) · Art. 32
EBA Final Q&A
Answered 2022-01-28
Recovery plans for subsidiaries that are not institutions
Directive 2014/59/EU (BRRD) · Art. 7, 8
EBA Final Q&A
Answered 2022-01-28
References to “the group” in Articles 6 (2) and (5)
Directive 2014/59/EU (BRRD) · Art. 6
EBA Final Q&A
Answered 2022-01-28
Relation between precautionary recapitalisation and early intervention measures
Directive 2014/59/EU (BRRD) · Art. 27, 34
EBA Final Q&A
Answered 2022-01-28
Notification requirements in the context of financial support
Directive 2014/59/EU (BRRD) · Art. 25
EBA Final Q&A
Answered 2022-01-28
Changes to financial support agreements
Directive 2014/59/EU (BRRD) · Art. 22
EBA Final Q&A
Answered 2022-01-28
Reporting of settlement fails
Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP
ESMA Answer Published
Answered 2022-01-25
Mandatory substitution approach according to Article 403 CRR when applying either the Financial Collateral Comprehensive Method (FCCM) or, in the case of securities financing transactions (SFTs) the Internal Model Method (IMM) or master netting agreements to calculate the exposure value.
Regulation (EU) No 575/2013 (CRR) · Art. 399, 401, 403
EBA Final Q&A
Answered 2022-01-21
SCA for staff assisted electronic channel
Directive 2015/2366/EU (PSD2) · Art. 97
EBA Final Q&A
Answered 2022-01-21
MREL subordination for smaller banks
Directive 2014/59/EU (BRRD) · Art. 45b
EBA Final Q&A
Answered 2022-01-21
Dealing with leasing (car leasing) in the calculation of the structural liquidity ratio (NSFR)
Regulation (EU) No 575/2013 (CRR) · Art. 428c, 428ah
EBA Final Q&A
Answered 2022-01-21
More than one transaction from a single consumer initiated transaction
Directive 2015/2366/EU (PSD2) · Art. Article 5
EBA Final Q&A
Answered 2022-01-21
Scope - Limited network exclusion
Directive 2015/2366/EU (PSD2) · Art. 3
EBA Final Q&A
Answered 2022-01-21
Definition of an electronic remote payment transaction
Directive 2015/2366/EU (PSD2) · Art. 97
EBA Final Q&A
Answered 2022-01-21
Strong customer authentication requirement on pay-by-invoice payment transactions
Directive 2015/2366/EU (PSD2) · Art. 97
EBA Final Q&A
Answered 2022-01-21
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