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.

EBA 4,405 ESMA 1,526 EIOPA 2,635 Joint Committee 256

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7,161 Q&As matching current filters · page 47 of 144

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

Treatment of CIUs in internal model for market risk – own funds requirement (add-on)

Regulation (EU) No 575/2013 (CRR) · Art. 364, 350

EBA Final Q&A

Answered 2022-01-21

API functionality

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

EBA Final Q&A

Answered 2022-01-21

Irrevocability of a payment order initiated by a PISP

Directive 2015/2366/EU (PSD2) · Art. 80

EBA Final Q&A

Answered 2022-01-21

Liquid asset received as a component of a pool of collateral in securities transaction (reverse repo or collateral swap).

Regulation (EU) No 575/2013 (CRR) · Art. 423

EBA Final Q&A

Answered 2022-01-21

Meaning of “rate of conversion that severely dilutes existing holdings of shares or other instruments of ownership”

Directive 2014/59/EU (BRRD) · Art. 47

EBA Final Q&A

Answered 2022-01-21

Sequence of bail-in and write down of capital

Directive 2014/59/EU (BRRD) · Art. 48, 60

EBA Final Q&A

Answered 2022-01-21

Particular wording used in Articles 45h(5)

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

EBA Final Q&A

Answered 2022-01-21

Transfer of assets to an asset management vehicle

Directive 2014/59/EU (BRRD) · Art. 42

EBA Final Q&A

Answered 2022-01-21

AST in combination with other resolution tools

Directive 2014/59/EU (BRRD) · Art. 42

EBA Final Q&A

Answered 2022-01-21

Principal amount in Articles 43-60

Directive 2014/59/EU (BRRD) · Art. 43

EBA Final Q&A

Answered 2022-01-21

Conversion of eligible liabilities to equity

Directive 2014/59/EU (BRRD) · Art. 43

EBA Final Q&A

Answered 2022-01-21

Purpose of the use of the power to write down and convert capital instruments and eligible liabilities

Directive 2014/59/EU (BRRD) · Art. 37

EBA Final Q&A

Answered 2022-01-21

Fiduciary relationship

Directive 2014/59/EU (BRRD) · Art. 44

EBA Final Q&A

Answered 2022-01-21

Exception to the scope of the bail-in tool (Article 44(2)(g)(iii))

Directive 2014/59/EU (BRRD) · Art. 44

EBA Final Q&A

Answered 2022-01-21

Meaning of “liability” in Article 60(2)(b)

Directive 2014/59/EU (BRRD) · Art. 60

EBA Final Q&A

Answered 2022-01-21

Compensation in Article 60(2)(c)

Directive 2014/59/EU (BRRD) · Art. 60

EBA Final Q&A

Answered 2022-01-21

Financial Customers

Regulation (EU) No 575/2013 (CRR) · Art. 411

EBA Final Q&A

Answered 2022-01-21

Difference in treatment of viable subsidiaries for the application of write down and conversion of capital instruments and resolution tools and powers

Directive 2014/59/EU (BRRD) · Art. 59

EBA Final Q&A

Answered 2022-01-21

Instruments representing interests in shares or other instruments of ownership

Directive 2014/59/EU (BRRD) · Art. 2

EBA Final Q&A

Answered 2022-01-21

Interaction between Articles 37(2) and 59(3)

Directive 2014/59/EU (BRRD) · Art. 37

EBA Final Q&A

Answered 2022-01-21

Definition of “aggregate liabilities” and “total liabilities” in the context of the 5% threshold

Regulation (EU) No 575/2013 (CRR) · Art. 24, 415

EBA Final Q&A

Answered 2022-01-21

Direct fiscal impact and systemic implication in Article 3(6)

Directive 2014/59/EU (BRRD) · Art. 3

EBA Final Q&A

Answered 2022-01-21

Special resolution regimes for credit institutions not covered by the Directive / partly resolved via insolvency

Directive 2014/59/EU (BRRD) · Art. 2

EBA Final Q&A

Answered 2022-01-21

Use of resolution tools without issuing a formal decision

Directive 2014/59/EU (BRRD) · Art. 32, 82

EBA Final Q&A

Answered 2022-01-21

Two separate ex-ante valuations for resolution purposes

Directive 2014/59/EU (BRRD) · Art. 36

EBA Final Q&A

Answered 2022-01-21

Use of valuation to apply resolution tools and to initiate resolution

Directive 2014/59/EU (BRRD) · Art. 36

EBA Final Q&A

Answered 2022-01-21

Branches of institutions that are established outside the Union

Directive 2014/59/EU (BRRD) · Art. 1

EBA Final Q&A

Answered 2022-01-21

Power of the resolution authority to transfer back

Directive 2014/59/EU (BRRD) · Art. 38

EBA Final Q&A

Answered 2022-01-21

Clarification on Article 36(6)(a)

Directive 2014/59/EU (BRRD) · Art. 36

EBA Final Q&A

Answered 2022-01-21

References to shareholders in Article 34 (and 44)

Directive 2014/59/EU (BRRD) · Art. 34, 44

EBA Final Q&A

Answered 2022-01-21

Special manager as insolvency manager

Directive 2014/59/EU (BRRD) · Art. 35

EBA Final Q&A

Answered 2022-01-21

Definition of the target level for national resolution systems since 2016

Directive 2014/59/EU (BRRD) · Art. 103

EBA Final Q&A

Answered 2022-01-21

Composition of resolution college

Directive 2014/59/EU (BRRD) · Art. 88

EBA Final Q&A

Answered 2022-01-21

Resolution plan for an institution without any critical economic functions

Directive 2014/59/EU (BRRD) · Art. 10, 12

EBA Final Q&A

Answered 2022-01-21

MREL regarding liabilities governed by the law of a third-country

Directive 2014/59/EU (BRRD) · Art. 55

EBA Final Q&A

Answered 2022-01-21

Variable component of the remuneration of material risk takers

Directive 2014/59/EU (BRRD) · Art. 44

EBA Final Q&A

Answered 2022-01-21

Interaction of shares transfer with the resolution process

Directive 2014/59/EU (BRRD) · Art. 38, 40

EBA Final Q&A

Answered 2022-01-21

Rights over or in relation to assets, rights and liabilities transferred

Directive 2014/59/EU (BRRD) · Art. 38, 40, 42

EBA Final Q&A

Answered 2022-01-21

Payment of consideration in shares of a bridge institution

Directive 2014/59/EU (BRRD) · Art. 37, 40

EBA Final Q&A

Answered 2022-01-21

Wholly or partially owned by a public authority requirement and bail-in

Directive 2014/59/EU (BRRD) · Art. 40, 41, 43

EBA Final Q&A

Answered 2022-01-21

Source: EBA Single Rulebook Q&A, ESMA Q&A, EIOPA Q&A, ESA Joint Q&As. Updated weekly. Q&As are non-binding guidance.

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