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
7,015 Q&As · page 55 of 141
Reporting of the Transactions where cash transfers does not occur
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
Treatment of an asset entitled 'Rent Deposit'
Regulation (EU) No 575/2013 (CRR) · Art. Article 99
EBA Final Q&A
Answered 2021-06-04
Template 32.04 - Sources of Asset Encumbrance
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
Treatment of Financial offsetting of assets and liabilities subject to offsetting, enforceable master netting arrangements and similar arrangements'
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
AE: F3201, F3202, F3203 - Discrepancy between taxonomy and ITS
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
Identification of encumbered assets when using collateral pools
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
Asset Encumbrance - Treatment of Intraday
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
AE-COL (F 32.02), AE-MAT (F 33.00).
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
Pro-rata of pool to work out encumbered and un-encumbered assets (F32.01, F32.03, F32.04, F33.00, F35.00, F36.01).
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
30% shock - template Part C-34.00-AE-CONT 120-020.
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
Over collateralising on template 35 incorporation of present value of swaps (F35.00)
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
Short Positions in Asset Encumbrance
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2021-06-04
F 36 - Reporting of rows "Matching liabilities".
Regulation (EU) No 575/2013 (CRR) · Art. Asset Encumbrance - Part E: Advanced data
EBA Final Q&A
Answered 2021-06-04
Performance fees
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU · Art. Section XV: ESMA’s guidelines on performance fees in UCITS and certain types of AIFs
ESMA Answer Published
Answered 2021-05-28
Performance fees
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU · Art. Section XV: ESMA’s guidelines on performance fees in UCITS and certain types of AIFs, question 4
ESMA Answer Published
Answered 2021-05-28
Other
(EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. 139
EIOPA
Answered 2021-05-28
Reporting to national competent authorities under Articles 3, 24 and 42
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU
ESMA Answer Published
Answered 2021-05-28
Reporting to national competent authorities under Articles 3, 24 and 42
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU
ESMA Answer Published
Answered 2021-05-28
Templates in the benchmark statement and the methodology (ESMA 70-145-114 QAs on BMR Q&A 10.10)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2021-05-28
Templates in the benchmark statement and the methodology (ESMA 70-145-114 QAs on BMR Q&A 10.9)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2021-05-28
Templates in the benchmark statement and the methodology (ESMA 70-145-114 QAs on BMR Q&A 10.8)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2021-05-28
Templates in the benchmark statement and the methodology (ESMA70-145-114 QAs on BMR Q&A 10.7)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2021-05-28
Arrears 1-29 Days
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2021-05-28
Reporting of Geographic Region fields
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2021-05-28
How to handle character limitations in certain fields RREL79; RREL82; IVFS4
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2021-05-28
MiFIR data reporting - Reporting of reference rates not included in RTS 23 and 22
Markets in Financial Instruments Regulation (MiFIR) Regulation (EU) No 600/2014- MDP
ESMA Answer Published
Answered 2021-05-28
Information on cost and charges
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2021-05-28
Annexes 5 and 8: Underlying Exposures – Automobile and Leasing - Year of Registration
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2021-05-28
ESMA’s guidelines on performance fees in UCITS and certain types of AIFs
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU
ESMA Answer Published
Answered 2021-05-28
ESMA’s guidelines on performance fees in UCITS and certain types of AIFs
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU
ESMA Answer Published
Answered 2021-05-28
Reporting to national competent authorities under Articles 3, 24 and 42
Alternative Investment Fund Managers Directive (AIFMD) Directive 2011/61/EU
ESMA Answer Published
Answered 2021-05-28
Other
(EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. NA
EIOPA
Answered 2021-05-28
Other
(EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. 197
EIOPA
Answered 2021-05-28
Answered 2021-05-28
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. Art. 31, art. 140, art. 94
EIOPA
Answered 2021-05-28
Solvency Capital Requirement (SCR)
(EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. 38 and 114
EIOPA
Answered 2021-05-28
Other
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. 72
EIOPA
Answered 2021-05-28
Other
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. 214
EIOPA
Answered 2021-05-28
Solvency Capital Requirement (SCR)
Other · Art. NA
EIOPA
Answered 2021-05-28
Materiality threshold and calculation method for materiality ratio for the purpose of application of Article 150(1)(c) for types of exposures that are immaterial in terms of size and perceived risk profile
Regulation (EU) No 575/2013 (CRR) · Art. 150
EBA Final Q&A
Answered 2021-05-21
Maturity of instruments subject to a cash flow schedule
Regulation (EU) No 575/2013 (CRR) · Art. 162
EBA Final Q&A
Answered 2021-05-21
Calculation method for materiality ratio to be compared against the 10%/5% threshold for the purpose of application of Article 150(1)(c) for equity exposure class (Permanent Partial Use)
Regulation (EU) No 575/2013 (CRR) · Art. 150
EBA Final Q&A
Answered 2021-05-21
Applicability of SCA to wallet solutions
Directive 2015/2366/EU (PSD2) · Art. 97
EBA Final Q&A
Answered 2021-05-21
Classification of a commitment to make under certain conditions an indemnity payment for a customer
Regulation (EU) No 575/2013 (CRR) · Art. 166
EBA Final Q&A
Answered 2021-05-21
Reporting of changes to the reference rate in an SFT
Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP
ESMA Answer Published
Answered 2021-05-20
Risk Free Rate (RFR)
Risk-Free Interest Rate - VA representative portfolios · Art. 50
EIOPA
Answered 2021-05-19
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. ARTICLE 116 Annex II
EIOPA
Answered 2021-05-17
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. 156
EIOPA
Answered 2021-05-10
Solvency Capital Requirement (SCR)
(EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. 88
EIOPA
Answered 2021-05-10
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. N/A
EIOPA
Answered 2021-05-07
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