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 4,397 ESMA 1,523 EIOPA 2,635 Joint Committee 256

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277 Q&As matching current filters · page 6 of 6

Consent for the provision of PIS and AIS

Directive 2015/2366/EU (PSD2) · Art. 66, 67 and 68

EBA Final Q&A

Answered 2018-12-21

Signature performed on the screen of a digital device as a factor in a two-factor SCA

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2018-12-21

Access by AISPs when customer not present up to 4 times in a 24 hour period

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2018-12-21

Exemptions from Strong Customer Authentication (SCA): trusted beneficiaries

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2018-12-21

Exemption from strong customer authentication (SCA) for payment account information in combination with accessing account information online in web browser

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-12-21

Calculation of fraud rates in relation to Exemption Threshold Values (ETVs)

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2018-12-21

Applicability of exemption from strong customer authentication (SCA) under Article 17 for card payments

Directive 2015/2366/EU (PSD2) · Art. 98

EBA Final Q&A

Answered 2018-12-14

Operation and security risk assessment of a branch of a credit institution

Directive 2015/2366/EU (PSD2) · Art. 95

EBA Final Q&A

Answered 2018-12-14

Interpretation of 'Active request for account information'

Directive 2015/2366/EU (PSD2) · Art. 67

EBA Final Q&A

Answered 2018-12-14

Major incidents reporting

Directive 2015/2366/EU (PSD2) · Art. 96

EBA Final Q&A

Answered 2018-12-14

Applicability of Strong Customer Authentication (SCA) to existing recurring payments solutions

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-12-14

Criteria for the application of the transaction risk analysis (TRA) exemption – Fraud rate calculation methodology for the application of the TRA exemption

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-12-07

Application of SCA when a PSU accesses payment transactions data older than on the last 90 days, without having access to sensitive payment data and for a period of 90 days after the last access using SCA

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-11-09

Responsibility of national authority with regards to audit reports

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

Review of Security Measures - Auditors expertise

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

Review of the security measures: Audit report

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

On the access to trusted beneficiaries lists (RTS Art 13) by TPPs in write mode

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

Accessing payment account online in web browser shall exceed not 5 minutes without acitvity

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

EMV cards and EMV terminals supporting online authentication

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

Persistent authentication for wearable devices

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

Criteria for the application of the transaction risk analysis (TRA) exemption – Application of the TRA exemption at the level of individual brand, product or scheme

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

Criteria for the application of the transaction risk analysis (TRA) exemption – Application of the TRA exemption by authorized PSPs other than the issuer and the acquirer

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-26

Obligatory nature of the SCA and exemption based on transaction risk analysis

Directive 2015/2366/EU (PSD2) · Art. Article 98 - RTS on SCA and CSC

EBA Final Q&A

Answered 2018-10-19

Does transaction monitoring need to be real time?

Directive 2015/2366/EU (PSD2) · Art. Article 95 - Management of operational and security risks

EBA Final Q&A

Answered 2018-10-05

Qualification of SMS OTP as an authentication factor

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-05

Display of incorrect authentication factors in case of failed authentication attempts

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-10-05

Application of the exemption for transactions to trusted beneficiaries to Face-to-Face transactions

Directive 2015/2366/EU (PSD2) · Art. 97

EBA Final Q&A

Answered 2018-09-21

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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