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.
7,361 Q&As matching current filters · page 50 of 148
Annex 3: Underlying Exposures - Commercial Real Estate - Payment Date
Securitisation Regulation (EU) 2017/2402
Answered 2021-11-15
Investor protection and marketing communication
Regulation 2020/1503 - European crowdfunding service providers for business · Art. 21(6) ECSPR
Answered 2021-11-10
Provisions of crowdfunding services and organisational and operational requirements
Regulation 2020/1503 - European crowdfunding service providers for business · Art. Article 3(3) ECSPR
Answered 2021-11-10
General provisions
Regulation 2020/1503 - European crowdfunding service providers for business · Art. Article 2(1), point (a) of ECSPR
Answered 2021-11-10
General provisions
Regulation 2020/1503 - European crowdfunding service providers for business · Art. Article 2(1), point (l) ECSPR
Answered 2021-11-10
Transitional period
Regulation 2020/1503 - European crowdfunding service providers for business · Art. Article 48(1)
Answered 2021-11-10
Investor protection and marketing communication
Regulation 2020/1503 - European crowdfunding service providers for business · Art. Article 23 ECSPR
Answered 2021-11-10
Elements of possession (SIM card) and knowledge (knowledge-based responses to challenges or questions)
Directive 2015/2366/EU (PSD2) · Art. 4
Answered 2021-11-05
Merchant IDs and SCA
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-11-05
Technical Provisions (TPs)
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. Article 18; Article 28
Answered 2021-11-04
Fee rebate arrangements
Undertakings for Collective Investment in Transferable Securities Directive (UCITS) Directive 2009/65/EC · Art. Question related to Articles 22 and 29 Directive 2010/43/EU (UCITS level 2)
Answered 2021-11-01
Other
(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. N/A
Answered 2021-10-29
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. Article 107(2); Article 117(3)
Answered 2021-10-28
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. Article 84
Answered 2021-10-28
Own Funds (OF)
Guidelines on classification of own funds, (EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. Article 308b(9)(10) of SII Directive
Answered 2021-10-28
Technical Provisions (TPs)
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. Recital 17; Art 25; Art 28; Art. 83(1)(c)
Answered 2021-10-28
Solvency Capital Requirement (SCR)
(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. Articles 304 and 308(b)(13) of SII Directive; Articles 169 and 170 of Delegated Regulation (EU) No 2015/35
Answered 2021-10-28
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. 140
Answered 2021-10-26
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. 140
Answered 2021-10-26
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. Article 140
Answered 2021-10-25
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. Article 140
Answered 2021-10-25
Solvency Capital Requirement (SCR)
(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. 142 of Commission Delegated Regulation (EU) 2015/35; (Article 75 of SII Directive)
Answered 2021-10-21
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. Article 142
Answered 2021-10-21
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. Article 142
Answered 2021-10-21
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. Article 142
Answered 2021-10-19
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. Articles 83(1)(a) and 188
Answered 2021-10-15
Updated: Operational Risk - Gross Losses & Rapidly recovered loss events
Regulation (EU) No 575/2013 (CRR) · Art. 99
Answered 2021-10-15
Other
Risk-Free Interest Rate - General questions · Art. EIOPA-BoS-21/317, Page 1
Answered 2021-10-12
Other
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. Articles 175 and 189(2)(f)
Answered 2021-10-12
Valuation of Assets and Liabilities other than 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 75 (SII Directive); Article 9 (Delegated Regulation)
Answered 2021-10-12
Valuation of Assets and Liabilities other than TPs
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. Articles 8 and 9
Answered 2021-10-12
Reporting Templates
(EU) No 2015/2450 - templates for the submission of information to the supervisory authorities · Art. N/A
Answered 2021-10-07
Leasing - Contagion du défaut aux paiements minimaux - Default contagion for minimum payments
Regulation (EU) No 575/2013 (CRR) · Art. 134
Answered 2021-10-01
Allocation of direct costs associated with the realisation of funded credit protection in case of partial coverage of an exposure by unfunded credit protection
Regulation (EU) No 575/2013 (CRR) · Art. 161
Answered 2021-09-24
Requirements towards SCA if association is done based on phone call
Directive 2015/2366/EU (PSD2) · Art. 98
Answered 2021-09-24
Delegation of 2-Factor Authentication (2FA) to PISP, AISP or other third party
Directive 2015/2366/EU (PSD2) · Art. Article 97
Answered 2021-09-24
Association with the payment service user by means of a remote channel
Directive 2015/2366/EU (PSD2) · Art. 24
Answered 2021-09-24
Clarification on level of protection required for the processing of the IBAN outside the inter-PSP environment
Directive 2015/2366/EU (PSD2) · Art. Article 66
Answered 2021-09-24
Clarification on the qualification and protection requirements of a CustomerID when included in a payer-presented QR-code for the initiation of (instant) credit transfers at the point of interaction (POI)
Directive 2015/2366/EU (PSD2) · Art. Article 66
Answered 2021-09-24
Interpreting the definitions of "client activity" and "unexpected" in modern financial services market in the context of CRR
Regulation (EU) No 575/2013 (CRR) · Art. 390
Answered 2021-09-24
Risk weight for the credit risk of third countries with supervisory and regulatory arrangements at least equivalent to those applied in the Union according to Article 114(7) CRR
Regulation (EU) No 575/2013 (CRR) · Art. 114
Answered 2021-09-24
Counterparties referred to in Article 428h (1) (c) CRR
Regulation (EU) No 575/2013 (CRR) · Art. 428h
Answered 2021-09-24
Territorial scope of the Guidelines on outsourcing arrangements in relation to supervisory cooperation requirements for credit institutions
Directive 2013/36/EU (CRD) · Art. 74 CRD
Answered 2021-09-24
Is a financial counter-incentive which is triggered in case of a default of a borrower on certain specific contractual obligations considered as an incentive to redeem?
Regulation (EU) No 575/2013 (CRR) · Art. 63
Answered 2021-09-24
LCR treatment of settled-to-market derivatives
Regulation (EU) No 575/2013 (CRR) · Art. 423
Answered 2021-09-24
Partially collateralised loans: CCF - collateral simple method approach
Regulation (EU) No 575/2013 (CRR) · Art. 111
Answered 2021-09-24
Commitment received to upgrade collateral from Level 2B to Level 1
Regulation (EU) No 575/2013 (CRR) · Art. 412
Answered 2021-09-24
Validity of SCA
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-09-24
Intermediaries and Merchant-ID
Directive 2015/2366/EU (PSD2) · Art. 97
Answered 2021-09-24
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. 142
Answered 2021-09-23
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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