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.
8,822 Q&As matching current filters · page 48 of 177
Authorisation of the purchaser of a (bridge) institution in another Member State
Directive 2014/59/EU (BRRD) · Art. 38, 38
Answered 2022-01-21
Winding up or liquidation of residual entity
Directive 2014/59/EU (BRRD) · Art. 37
Answered 2022-01-21
Reimbursement of resolution expenses via sale of the asset management vehicle
Directive 2014/59/EU (BRRD) · Art. 37
Answered 2022-01-21
Responsibility to pay expenses
Directive 2014/59/EU (BRRD) · Art. 37
Answered 2022-01-21
Transfer of assets, rights and liabilities to the bridge institution / asset management vehicle
Directive 2014/59/EU (BRRD) · Art. 40, 42
Answered 2022-01-21
Clarification of “access to critical functions”
Directive 2014/59/EU (BRRD) · Art. 41
Answered 2022-01-21
Winding up of a bridge institution
Directive 2014/59/EU (BRRD) · Art. 41
Answered 2022-01-21
Liability in the context of special management
Directive 2014/59/EU (BRRD) · Art. 35
Answered 2022-01-21
Determination made by competent authority
Directive 2014/59/EU (BRRD) · Art. 32 / 81 / 82
Answered 2022-01-21
Determination the failure of an institution
Directive 2014/59/EU (BRRD) · Art. 32
Answered 2022-01-21
Declaration of insolvency / bankruptcy
Directive 2014/59/EU (BRRD) · Art. 32, 32b
Answered 2022-01-21
Stating in law that banks’ activities are always in the public interest
Directive 2014/59/EU (BRRD) · Art. 32
Answered 2022-01-21
Clarification on formal decision
Directive 2014/59/EU (BRRD) · Art. 32, 32a, 33
Answered 2022-01-21
Prohibition for institutions to enter into agreements with third country counterparties
Directive 2014/59/EU (BRRD) · Art. 17
Answered 2022-01-21
Inclusion of mixed-activity holding companies into group resolution plans
Directive 2014/59/EU (BRRD) · Art. 12
Answered 2022-01-21
Clarification on the scope of application to address or remove impediments to resolvability
Directive 2014/59/EU (BRRD) · Art. 17
Answered 2022-01-21
Suspension of resolution plan updates
Directive 2014/59/EU (BRRD) · Art. 17
Answered 2022-01-21
Clarification to the wording “joint decisions should be taken by national authorities concerned” in Recital 98
Directive 2014/59/EU (BRRD) · Art. Recital 98
Answered 2022-01-21
Scope of application of EBA guidelines on loan origination and monitoring
Directive 2013/36/EU (CRD) · Art. 74
Answered 2022-01-07
Group Solvency Requirement
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. 330
Answered 2022-01-07
Technical Provisions (TPs)
Guidelines on valuation of technical provisions · Art. Guideline 68
Answered 2022-01-07
Long Term Guarantees (LTGs)
(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 · Art. Guideline 2; Article 38 of 2015/35 Delegated Regulation
Answered 2022-01-06
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. 178
Answered 2022-01-06
Technical Provisions (TPs)
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII), Guidelines on contract boundaries · Art. Article 18(3) of the Commission Delegated Regulation (EU) 2015/35
Answered 2022-01-06
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 31 of the Delegated Regulation 2015/35; Article 78 of SII Directive 2009/138
Answered 2022-01-06
Cross-selling (Art. 24 IDD)
(EU) No 2016/97 - Insurance Distribution Directive · Art. Article 24
Answered 2022-01-05
Scope
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU
Answered 2021-12-17
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 · Art. 121-124
Answered 2021-12-17
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 valuation of technical provisions · Art. Article 116(6) of the Delegated Regulation
Answered 2021-12-17
Association of personalised security credentials to the payment service user
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-12-17
Confirmation of Funds (CoF) request by a PISP in case of batch processing system
Directive 2015/2366/EU (PSD2) · Art. 65
Answered 2021-12-17
Reinsurance
Guidelines on application of outwards reinsurance · Art. Guideline 15
Answered 2021-12-17
Scope of “additional registrations” as obstacles in the sense of Article 32(3) Delegated Regulation (EU) 2018/389
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-12-17
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. 116
Answered 2021-12-17
Maturity calculation under IRB for exposures that only have contractual cashflows in the form of fees
Regulation (EU) No 575/2013 (CRR) · Art. 162
Answered 2021-12-17
Treatment of cured defaulted exposures
Regulation (EU) No 575/2013 (CRR) · Art. 178
Answered 2021-12-17
Look-through application under IRB approach
Regulation (EU) No 575/2013 (CRR) · Art. 152
Answered 2021-12-17
Calculation of the collateral value of immovable property considering minimum level of over-collateralisation ratio
Regulation (EU) No 575/2013 (CRR) · Art. 125, 126, 230
Answered 2021-12-17
Definition of participation for the purposes of Article 18(7) CRR
Regulation (EU) No 575/2013 (CRR) · Art. 18
Answered 2021-12-17
Scope of applicability of the required method of prudential consolidation under the Article 18(7) CRR
Regulation (EU) No 575/2013 (CRR) · Art. 18
Answered 2021-12-17
Treatment of third country covered bonds under IRB Approach
Regulation (EU) No 575/2013 (CRR) · Art. 161
Answered 2021-12-17
Payers right to make use of payment initiation service providers for all types of payment transactions
Directive 2015/2366/EU (PSD2) · Art. 66
Answered 2021-12-17
Synthetic securitisatios
Regulation (EU) No 2017/2402 (SecReg) · Art. 2
Answered 2021-12-17
Applicability of the Guidelines of the Committee of European Banking Supervisors on Article 106(2)(c) and (d) of Directive 2006/48/EC (CRD)
Regulation (EU) No 575/2013 (CRR) · Art. 390
Answered 2021-12-17
Alternative strong customer authentication for citizens without mobile
Directive 2015/2366/EU (PSD2) · Art. 97 & 98
Answered 2021-12-17
Use of the “maturity of the tranche” (MT) as defined in Article 257 CRR as the “residual maturity” for purposes of the volatility adjustments for securitisation positions under Table 1 of Article 224(1) CRR.
Regulation (EU) No 575/2013 (CRR) · Art. 224
Answered 2021-12-17
Reinsurance
Guidelines on basis risk · Art. Guideline 3 - Insurance risk-mitigation techniques with no material basis risk
Answered 2021-12-17
2085
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. Articles 140 (and 30)
Answered 2021-12-17
Use of short-term credit assessments with Article 120(2) CRR
Regulation (EU) No 575/2013 (CRR) · Art. 120
Answered 2021-12-17
Revocation / Invalidation of SCA proof before execution date
Directive 2015/2366/EU (PSD2) · Art. 74
Answered 2021-12-17
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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