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 4,397ESMA 1,523EIOPA 2,635Joint Committee 256
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Final — published answer Archive — superseded (EBA only) Pending — awaiting answer Rejected — out of scope or duplicate
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6 Q&As matching current filters · page 1 of 1

EMI's application of negative interest rates to its clients

Directive 2009/110/EC (EMD) · Art. 12

EBA Final Q&A

Answered 2025-01-17

Definition of electronic money

Directive 2009/110/EC (EMD) · Art. 2

EBA Final Q&A

Answered 2025-01-17

Identify when EMD2 needs to be applied to vouchers/gift cards issued by an electronic money institution.

Directive 2009/110/EC (EMD) · Art. 2 and 3

EBA Final Q&A

Answered 2024-10-11

Subcontractor of electronic money distributor

Directive 2009/110/EC (EMD) · Art. 3

EBA Final Q&A

Answered 2022-03-18

Topping-up e-money accounts with voucher-based products

Directive 2009/110/EC (EMD) · Art. 2 and 3

EBA Final Q&A

Answered 2022-03-18

Fees on issuing eletronic money

Directive 2009/110/EC (EMD) · Art. 11

EBA Final Q&A

Answered 2022-03-18

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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