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 61 of 141
Reporting of interest-related cash flows in the C 66.00 maturity ladder template
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2020-12-04
Reporting of cash flows related to ‘extraordinary’ and one-off transactions in the C 66.00 maturity ladder template
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2020-12-04
Reporting of (committed) credit and liquidity facilities in the C 66.01 maturity ladder template
Regulation (EU) No 575/2013 (CRR) · Art. 415
EBA Final Q&A
Answered 2020-12-04
Reporting of ceded assets, that are part of a cover pool, in asset encumbrance.
Regulation (EU) No 575/2013 (CRR) · Art. 100
EBA Final Q&A
Answered 2020-12-04
Need of prior permission to include minority interest arising from Common Equity Tier 1 instruments issued by subsidiaries located in EU member state and third countries in consolidated CET1 capital of parent institutions established in the EU.
Regulation (EU) No 575/2013 (CRR) · Art. 26
EBA Final Q&A
Answered 2020-12-04
EBA validation rule v4859_m: [C 24.00 (c030;040;050;060)] {r100} <= {r030} + {r060} + {r080} + {r090}
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2020-12-04
Counterparty breakdown - classification based by immediate counterparty
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2020-12-04
C 70 treatment of multiple currencies
Regulation (EU) No 575/2013 (CRR) · Art. Article 415
EBA Final Q&A
Answered 2020-12-04
Definition of an "exposure" in C 15 instructions
Regulation (EU) No 575/2013 (CRR) · Art. 101
EBA Final Q&A
Answered 2020-12-04
Validation rules v2815_m to v2823_m between FINREP and AE
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2020-12-04
Use of rating before or after transfer in the calculation of the one-year default rates
Regulation (EU) No 575/2013 (CRR) · Art. 4
EBA Final Q&A
Answered 2020-12-04
Treatment of CIUs in the standardised approach – Derivatives on CIUs
Regulation (EU) No 575/2013 (CRR) · Art. 350
EBA Final Q&A
Answered 2020-12-04
Treatment of CIUs in internal model for market risk – possible restrictions
Regulation (EU) No 575/2013 (CRR) · Art. 350
EBA Final Q&A
Answered 2020-12-04
Exempting foreign currency - denominated required minimum reserves according to Article 493(7) CRR
Regulation (EU) No 575/2013 (CRR) · Art. 493
EBA Final Q&A
Answered 2020-12-04
Incorrect validation rule - deposits guarantee scheme
Regulation (EU) No 575/2013 (CRR) · Art. 99
EBA Final Q&A
Answered 2020-12-04
Weighted average of the CCF
Directive 2013/36/EU (CRD) · Art. 78
EBA Final Q&A
Answered 2020-11-27
PD-/PD+ for RWA-/RWA+
Directive 2013/36/EU (CRD) · Art. 78
EBA Final Q&A
Answered 2020-11-27
Financial Holding
(EU) No 2009/138 - Solvency II Directive (Insurance and Reinsurance) · Art. N/A
EIOPA
Answered 2020-11-24
Treatment of securitisation Class A notes guaranteed by a Member State
Regulation (EU) No 575/2013 (CRR) · Art. 416
EBA Final Q&A
Answered 2020-11-20
Termination rights – Distinguishing between Guidelines which are directed towards ‘all outsourcing arrangements’ from those that are directed towards ‘outsourcing arrangements for critical and important functions’
Regulation (EU) No 575/2013 (CRR) · Art. 74
EBA Final Q&A
Answered 2020-11-20
Meaning of "the last three twelve-monthly observations" in Articles 315(1) and 317(4) CRR regarding the calculation of operational risk requirements
Regulation (EU) No 575/2013 (CRR) · Art. 315
EBA Final Q&A
Answered 2020-11-20
Recognition for large exposure purposes of a guarantee granted by the central government on an equity exposure
Regulation (EU) No 575/2013 (CRR) · Art. 400, 213
EBA Final Q&A
Answered 2020-11-20
Eligibility of mortgage mandates under Belgian law
Regulation (EU) No 575/2013 (CRR) · Art. 124, 181, 208, 229
EBA Final Q&A
Answered 2020-11-13
Identification of profit forecasts in prospectuses (Deleted 09/09/2026)
Prospectus Regulation 2017/1129
ESMA Published Answer Updated
Answered 2020-11-09
Choice of TD home Member State after the end of the UK’s transition period for leaving the EU
Transparency Directive (TD) Directive 2004/109/EC
ESMA Answer Published
Answered 2020-11-09
Product governance
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2020-11-06
Product governance
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2020-11-06
Product governance
Markets in Financial Instruments Directive II (MiFID II) Directive 2014/65/EU- Investor Protection and Intermediaries
ESMA Answer Published
Answered 2020-11-06
Transitional provisions applicable to EU index providers that provides a benchmark that has been recognised as a critical benchmark in accordance with Article 20 of the BMR (ESMA70-145-114 QAs on BMR Q&A 9.4)
Benchmarks Regulation (BMR) - Regulation 2016/1011
ESMA Answer Published
Answered 2020-11-06
Frequency of reports
Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP · Art. Article 4
ESMA Answer Published
Answered 2020-11-05
Reporting of trading venue for cleared and non-cleared SFTs
Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP
ESMA Answer Published
Answered 2020-11-05
Reporting of repos initially collateralised on a transaction basis and subsequently on a net exposure basis
Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP
ESMA Answer Published
Answered 2020-11-05
Reporting of zero collateral for margin lending
Securities Financing Transactions Regulation (SFTR) Regulation (EU) 2015/2365- MDP
ESMA Answer Published
Answered 2020-11-05
Disclosure of information within the group related to suspicious activity reports (SARs) to the competent authorities
Directive (EU) 2015/849 (AMLD) · Art. 45
EBA Final Q&A
Answered 2020-10-23
Retroactivity concerning customer consent for data sharing and processing
Directive (EU) 2015/849 (AMLD) · Art. 45
EBA Final Q&A
Answered 2020-10-23
Customer data transfer to Member States for the purpose of supervision
Directive (EU) 2015/849 (AMLD) · Art. 45
EBA Final Q&A
Answered 2020-10-23
Pensions Reporting
Guidelines on reporting and public disclosure · Art. NA
EIOPA
Answered 2020-10-14
Absolute materiality threshold for Retail based on the new RTS
Regulation (EU) No 575/2013 (CRR) · Art. 123
EBA Final Q&A
Answered 2020-10-09
Retail Classification
Regulation (EU) No 575/2013 (CRR) · Art. 123
EBA Final Q&A
Answered 2020-10-09
COVID-related debt moratoria RREL22; CREL14; CRPL32; AUTL22; CMRL20; CCDL18; LESL21
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2020-10-05
Dilutions
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2020-10-05
Principal Grace Period End Date RREL36, CREL88, CRPL47, AUTL33, CMRL33, CCDL25, LESL32, ESTL32
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2020-10-05
Account Status RREL69; CREL136; CRPL79; AUTL70; CMRL55; CCDL37; LESL57; ESTL55.
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2020-10-05
Payment Due RREL39; CREL105; CRPL50; AUTL37; CMRL36; CCDL28; LESL35; ESTL35
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2020-10-05
Special Scheme RREL22; CREL14; CRPL32; AUTL22; CMRL20; CCDL18; LESL21
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2020-10-05
Annex 2: Underlying Exposures - Residential Real Estate - Pari Passu Underlying Exposures RREL32
Securitisation Regulation (EU) 2017/2402
ESMA Answer Published
Answered 2020-10-05
Reporting Templates
Other · Art. NA
EIOPA
Answered 2020-10-02
Own Funds (OF)
(EU) No 2015/35 - supplementing Dir 2009/138/EC - taking up & pursuit of the business of Insurance and Reinsurance (SII) · Art. 75
EIOPA
Answered 2020-10-02
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. 75
EIOPA
Answered 2020-10-02
Pensions Reporting
Other · Art. NA
EIOPA
Answered 2020-10-02
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