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.
10 Q&As matching current filters · page 1 of 1
Personal recommendation and suitability statement: documentation nature and staff attribution in split/automated processes
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) · Art. MiFID II 2014/65/EU (Art. 16, 25); Deleg. Reg. (EU) 2017/565 (Art. 54; record-keeping).
Submitted 2026-03-10
Attribution of investment advice in split or system-supported workflows (personal recommendation vs suitability statement)
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) · Art. MiFID II 2014/65/EU (Art. 16, 25); Reg. (EU) 2017/565 (Art. 54); ESMA/2015/1886 (rev.) (paras 4(j), 19, 20(d)-(g)).
Submitted 2026-03-10
Records / audit trail / digital workflows / use of user credentials / Record-keeping and audit trail for “under supervision” in digital/segregated advisory workflows
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) · Art. ESMA Guidelines ESMA/2015/1886 (rev.), paras. 4(j), 19, 20(c)-(g); MiFID II (Directive 2014/65/EU), Art. 16(2) and 16(6), Art. 25(1), Art. 25(2), 25(6) and 25(9); Commission Delegated Regulation (EU) 2017/565, Art. 54 and Art. 72.
Submitted 2026-02-26
“Under supervision” – responsibility, role awareness, real-time supervision, sign-off / “Under supervision” in investment advice: responsibility, role assignment and supervisory sign-off
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) · Art. ESMA Guidelines ESMA/2015/1886 (rev.), paras. 4(j), 19, 20(c)-(g); MiFID II (Directive 2014/65/EU), Art. 16(2) and 16(6), Art. 25(1), Art. 25(2), 25(6) and 25(9); Commission Delegated Regulation (EU) 2017/565, Art. 54 and Art. 72.
Submitted 2026-02-26
Inducements
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) · Art. ESMA 35-43-349 Q&A
Submitted 2025-12-03
Arrangements necessary to understand clients
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II)
Submitted 2025-07-25
Clarification as regards to Perpetual features
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II)
Submitted 2025-07-08
Scope of ancillary services and supervisory convergence
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) · Art. Annex I, Section B, point 5
Submitted 2024-09-18
Recertificaciones MIFID
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II) · Art. CNMV Guía Técnica 4/2017 (Modificada diciembre 2020)
Submitted 2024-08-08
Underwritting and placing fees
Directive 2014/65/EU - Markets in Financial Instruments Directive (MiFID II)
Submitted 2024-06-10
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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