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* Regulation and policyThe regulatory products presented in this section are
a key contribution to the building up of the Single Rulebook in banking
regulation.Read more
* Single Rulebook
* Implementing Basel III in Europe
* Implementing FSB Key Attributes on resolution matters
* Regulatory activities
* Accounting and auditing
* Guidelines on Accounting for Expected Credit
* Guidelines on communication between competent authorities and auditors
* Regulatory Technical Standards on methods of prudential consolidation
* Anti-Money Laundering and Countering the Financing of Terrorism
* Call for input on ‘de-risking’ and its impact on access to financial
services
* Guidelines on ML/TF risk factors (revised)
* Guidelines on cooperation and information exchange between prudential
supervisors, AML/CFT supervisors and financial intelligence units
* Guidelines on policies and controls for the effective management of
ML/TF risks when providing access to financial services
* Guidelines on risk based supervision
* Guidelines on risk factors and simplified and enhanced customer due
diligence
* Guidelines on risk-based supervision (First revision)
* Guidelines on risk-based supervision (Second revision)
* Guidelines on the role of AML/CFT compliance officers
* Guidelines on the use of remote customer onboarding solutions
* Information on administrative sanctions
* JC Guidelines on cooperation and information exchange for AML/CFT
supervision purposes
* Joint Guidelines to prevent transfers of funds can be abused for ML and
TF
* Regulatory Technical Standards on CCP to strengthen fight against
financial crime
* Regulatory Technical Standards on a central database on AML/CFT in the
EU
* Regulatory Technical Standards on the implementation of group wide
AML/CFT policies in third countries
* Colleges of supervisors
* Guidelines for cooperation between consolidating supervisors and host
supervisors
* Guidelines for the joint assessment and joint decision regarding the
capital adequacy of cross-border groups
* Guidelines for the operational functioning of colleges
* Implementing Technical Standards on joint decisions on
institution-specific prudential requirements
* Implementing technical standards on joint decisions on prudential
requirements
* Recommendation amending EBA/Rec/2015/01 on the equivalence of
confidentiality regimes
* Recommendation amending EBA/Rec/2015/01 on the equivalence of
confidentiality regimes
* Regulatory and implementing technical standards on the functioning of
colleges of supervisors
* Regulatory technical standards on colleges of supervisors for
investment firms groups
* Consumer protection and financial innovation
* Decision on specifying the benchmark rate under the Mortgage Credit
Directive
* Discussion Paper on automation in financial advice
* Discussion Paper on innovative uses of consumer data by financial
institutions
* Discussion paper on draft requirements on passport notifications for
credit intermediaries
* Extension of the application of the Joint Committee Guidelines on
complaints-handling to the new institutions under PSD2 and MCD
* Guidelines for complaints-handling for the securities (ESMA) and
banking (EBA) sectors
* Guidelines for cross-selling practices
* Guidelines on arrears and foreclosure
* Guidelines on creditworthiness assessment
* Guidelines on product oversight and governance arrangements for retail
banking products
* Guidelines on remuneration policies for sales staff
* Guidelines on standardised fee terminology for payment accounts in the
EU
* Guidelines on the security of internet payments
* Regulatory Technical Standards on Individual Portfolio Management of
loans offered by crowdfunding service providers
* Regulatory Technical Standards on Professional Indemnity Insurance
(PII) for mortgage credit intermediaries
* Regulatory Technical Standards on credit scoring and loan pricing
disclosure, credit risk assessment and risk management requirements for
Crowdfunding Service Providers
* Regulatory Technical Standards on the content and presentation of the
KIDs for PRIIPs
* Retail risk indicators
* Technical Advice on possible delegated acts on criteria and factors for
intervention powers concerning structured deposits
* Technical Standards on standardised terminology and disclosure
documents under the PAD
* Credit risk
* Discussion Paper and Call for Evidence on SMEs and the SME Supporting
Factor
* Discussion Paper on the future of the IRB Approach
* Discussion paper on the role of environmental risks in the prudential
framework
* Guidelines on legislative and non-legislative moratoria on loan
repayments applied in the light of the COVID-19 crisis
* Guidelines on loan origination and monitoring
* Guidelines on management of non-performing and forborne exposures
* Guidelines on specification of types of exposures to be associated with
high risk
* Guidelines on the application of the definition of default
* Guidelines on the implementation, validation and assessment of Advanced
Measurement (AMA) and Internal Ratings Based (IRB) Approaches
* Implementing Technical Standards on NPL transaction data templates
* Mechanistic references to credit ratings in the ESAs’ guidelines and
recommendations
* Regulatory Technical Standards concerning the assessment of
appropriateness of risk weights and minimum LGD values
* Regulatory Technical Standards in relation to credit valuation
adjustment risk
* Regulatory Technical Standards on assessment methodology for IRB
approach
* Regulatory Technical Standards on conditions for capital requirements
for mortgage exposures
* Regulatory Technical Standards on materiality threshold of credit
obligation past due
* Regulatory Technical Standards on the calculation of credit risk
adjustments
* Regulatory Technical Standards on the calculation of risk-weighted
exposure amounts of collective investment undertakings (CIUs)
* Regulatory Technical Standards on the method for the identification of
the geographical location of the relevant credit exposures under
Article 140(7) of the Capital Requirements Directive (CRD)
* Regulatory Technical Standards on the treatment of equity exposures
under the IRB Approach
* Regulatory technical standards on disclosure of information related to
the countercyclical capital buffer
* Regulatory technical standards on specialised lending exposures
* Regulatory technical standards on the permanent and temporary use of
IRB approach
* External Credit Assessment Institutions (ECAI)
* Mapping under SA
* Decision on the Use of Unsolicited Credit Assessments
* Guidelines on the recognition of External Credit Assessment
Institutions (repealed)
* Guidelines on the recognition of External Credit Assessment
Institutions (repealed)
* Implementing Technical Standards on the mapping of ECAIs Credit
Assessments for securitisation positions
* Implementing Technical Standards on the mapping of ECAIs credit
assessments under the SA
* Financial conglomerates
* Consultation on the Joint Committee response to the Call for Advice on
the Fundamental Review of the Financial Conglomerates Directive (FICOD)
received from the European Commission in April 2011
* Guidelines on the convergence of supervisory practices relating to the
consistency of supervisory coordination arrangements for financial
conglomerates
* Implementing Technical Standards on the reporting of intra-group
transactions and risk concentration for financial conglomerates
* Regulatory Technical Standards on risk concentration and intra-group
transactions within financial conglomerates
* Regulatory Technical Standards on the uniform conditions of application
of the calculation methods for determining the amount of capital
required at the level of the financial conglomerate
* Internal governance
* Guidelines on ICT and security risk management
* Guidelines on Internal Governance (repealed)
* Guidelines on internal governance (revised)
* Guidelines on internal governance (second revision)
* Guidelines on internal governance for investment firms
* Guidelines on outsourcing (repealed)
* Guidelines on outsourcing arrangements
* Guidelines on the assessment of adequate knowledge and experience of
the management or administrative organ of credit servicers
* Guidelines on the assessment of the suitability of members of the
management body and key function holders (repealed)
* Guidelines on the benchmarking of diversity practices including
diversity policies and gender pay gap
* Joint Committee Guidelines on on the system for the exchange of
information relevant to fit and proper assessments
* Joint ESMA and EBA Guidelines on the assessment of the suitability of
members of the management body (revised)
* Joint ESMA and EBA Guidelines on the assessment of the suitability of
members of the management body
* Recommendations on outsourcing to cloud service providers (repealed)
* Investment firms
* Guidelines on liquidity requirements exemption for investment firms
* Implementing Technical Standards on the format, structure, contents
list and annual publication date of the supervisory information to be
disclosed by competent authorities under Article 57(4) of IFD
* New prudential regime for investment firms
* Regulatory Technical Standards on prudential requirements for
investment firms
* Regulatory Technical Standards on the specific liquidity measurement
for investment firms
* Large exposures
* Guidelines on Connected Clients
* Guidelines on common reporting of large exposures
* Guidelines on conditions for the application of the alternative
treatment of institutions’ exposures related to tri-party repurchase
agreements
* Guidelines on large exposures breaches and time and measures to return
to compliance
* Guidelines on limits on exposures to shadow banking
* Guidelines on the revised large exposures regime
* Implementation Guidelines on large exposures exemptions for money
transmission, correspondent banking, clearing and settlement and
custody services
* Regulatory Technical Standards on criteria for the identification of
shadow banking entities
* Regulatory Technical Standards on the determination of the overall
exposure to a client or a group of connected clients in respect of
transactions with underlying assets
* Regulatory Technical Standards on the identification of a group of
connected clients
* Regulatory Technical standards on the determination of indirect
exposures to underlying clients of derivative and credit derivative
contracts
* Leverage ratio
* Implementing Technical Standards on disclosure for leverage ratio
* Liquidity risk
* Defining Liquid Assets in the Liquidity Coverage ratio
* Guidelines on Retail Deposits subject to higher outflows for the
purposes of liquidity reporting
* Guidelines on harmonised definitions and templates for funding plans of
credit institutions
* Guidelines on liquidity cost benefit allocation
* Guidelines on the LCR disclosure
* Implementing Technical Standards amending ITS on additional liquidity
monitoring metrics
* Implementing Technical Standards on additional liquidity monitoring
metrics
* Implementing Technical Standards on currencies with an extremely narrow
definition of central bank eligibility
* Implementing Technical Standards on currencies with constraints on the
availability of liquid assets (amended)
* Regulatory Technical Standards on additional liquidity outflows
* Regulatory Technical Standards on criteria for a preferential treatment
in cross-border intragroup financial support under LCR
* Technical Standards on currencies with constraints on the availability
of liquid assets
* Market infrastructures
* Regulatory Technical Standards on the margin periods for risk used for
the treatment of clearing members' exposures to clients
* Implementing Technical Standards On the Hypothetical Capital of a
Central Counterparty (CCPs)
* Regulatory Technical Standards on IMMV under EMIR
* Regulatory Technical Standards amending the bilateral margin
requirements with regards to intragroup contracts
* Regulatory Technical Standards on capital requirements for Central
Counterparties (CCPs)
* Regulatory Technical Standards on prudential requirements for central
securities depositories (CSDs)
* Regulatory Technical Standards on risk mitigation techniques for OTC
derivatives not cleared by a central counterparty (CCP)
* Market, counterparty and CVA risk
* Discussion Paper on EU implementation of MKR and CCR revised standards
* Discussion paper on the treatment of structural FX under Article 352(2)
of the CRR
* Guidelines on Stressed Value-At-Risk (Stressed VaR)
* Guidelines on corrections to modified duration for debt instruments
* Guidelines on criteria for the use of data inputs in the expected
shortfall risk measure under the IMA
* Guidelines on the Incremental Default and Migration Risk Charge (IRC)
* Guidelines on the treatment of CVA risk under SREP
* Guidelines on the treatment of structural FX under 352(2) of the CRR
* Implementing Technical Standards on appropriately diversified indices
* Implementing Technical Standards on closely correlated currencies
* Regulatory Technical Standards on gross jump-to-default amounts
* Regulatory Technical Standards amending RTS on CVA proxy spread
* Regulatory Technical Standards on Internal Model Approach for
Assessment Methodology
* Regulatory Technical Standards on default probabilities and losses
given default for default risk model under the Fundamental Review of
the Trading Book
* Regulatory Technical Standards on emerging markets and advanced
economies
* Regulatory Technical Standards on exclusion from CVA of non-EU
non-financial counterparties
* Regulatory Technical Standards on non-delta risk of options in the
standardised market risk approach
* Regulatory Technical Standards on prudent valuation
* Regulatory Technical Standards on residual risk add-on
* Regulatory Technical Standards on the assessment methodology to verify
an institution’s compliance with the internal model approach
* Regulatory Technical Standards on the capitalisation of non-modellable
risk factors under the FRTB
* Regulatory Technical Standards on the conditions for assessing the
materiality of extensions and changes of internal approaches for
credit, market and operational risk
* Regulatory Technical Standards on the definition of market
* Regulatory Technical Standards on the definition of materiality
thresholds for specific risk in the trading book
* Regulatory Technical Standards on the standardised approach for
counterparty credit risk
* Regulatory Technical Standards on the treatment of non-trading book
positions subject to foreign-exchange risk or commodity risk
* Technical Standards on the IMA under the FRTB
* Model validation
* Discussion paper on machine learning for IRB models
* Guidelines on Credit Risk Mitigation for institutions applying the IRB
approach with own estimates of LGDs
* Guidelines on PD estimation, LGD estimation and treatment of defaulted
assets
* Regulatory Technical Standards and Guidelines on estimation and
identification of an economic downturn in IRB modelling
* Regulatory Technical Standards on the conditions according to which
competent authorities may grant permission for data waiver
* Supervisory handbook for the validation of internal ratings based
systems
* Operational risk
* Guidelines on AMA extensions and changes
* Guidelines on operational risk mitigation techniques
* Guidelines on the management of operational risk in market-related
activities
* Regulatory Technical Standards on assessment methodologies for the use
of AMAs for operational risk
* Own funds
* Discussion Paper on the impact on the volatility of own funds of the
revised IAS 19 and the deduction of defined pension assets from own
funds
* Guidelines for Hybrid Capital Instruments
* Guidelines on criteria to to assess other systemically important
institutions (O-SIIs)
* Guidelines on instruments referred to in Article 57(a) of the CRD
* Guidelines on prudential filters for regulatory capital
* Guidelines on the specification and disclosure of systemic importance
indicators
* Implementing Technical Standards on Disclosure for Own Funds
* Regulatory Technical Standards amending RTS on own funds and eligible
liabilities
* Regulatory Technical Standards on Own Funds
* Regulatory Technical Standards on own funds requirements for investment
firms
* Regulatory Technical Standards on the prudential treatment of software
assets
* Technical Standards for the identification of global systemically
important institutions (G-SIIs)
* Technical Advice to the Commission on possible treatments of unrealised
gains measured at fair value
* Passporting and supervision of branches
* Amended Regulatory Technical Standards and Implementing Technical
Standards on passport notification
* Guidelines for Passport Notifications for credit institutions
* Guidelines on passport notifications for credit intermediaries
* Guidelines on supervision of significant branches
* Regulatory Technical Standards on passporting under PSD2
* Technical Standards on Passport Notifications for credit institutions
* Technical Standards on information exchange between home and host
competent authorities
* Technical standards on information exchange between home and host
competent authorities of investment firms
* Payment services and electronic money
* Discussion Paper on the payment fraud data received under PSD2
* EBA working group on APIs under PSD2
* Guidelines on the limited network exclusion under PSD2
* Guidelines on authorisation and registration under PSD2
* Guidelines on fraud reporting under PSD2
* Guidelines on major incidents reporting under PSD2
* Guidelines on procedures for complaints of alleged infringements of the
PSD2
* Guidelines on security measures for operational and security risks
under the PSD2
* Guidelines on the conditions to be met to benefit from an exemption
from contingency measures under Article 33(6) of Regulation (EU)
2018/389 (RTS on SCA & CSC)
* Guidelines on the criteria on how to stipulate the minimum monetary
amount of the professional indemnity insurance under PSD2
* Regulatory Technical Standards on Home-Host cooperation under PSD2
* Regulatory Technical Standards on central contact points under PSD2
* Regulatory Technical Standards on payment card schemes and processing
entities under the IFR
* Regulatory Technical Standards on strong customer authentication and
secure communication under PSD2
* Technical Standards on the EBA Register under PSD2
* Recovery, resolution and DGS
* Notifications on resolution cases and use of DGS funds
* Austria
* Heta Asset Resolution AG resolution case
* Belgium
* Bulgaria
* Croatia
* Cyprus
* Czech Republic
* Denmark
* Andelskassen J.A.K. Slagelse
* Estonia
* Finland
* France
* Germany
* Greece
* Cooperative Bank of Peloponnese Coop Ltd resolution case
* Hungary
* MKB Bank
* Iceland
* Ireland
* Italy
* Banca d'Italia resolution cases
* Latvia
* Liechtenstein
* Lithuania
* Luxembourg
* Malta
* Netherlands
* Norway
* Poland
* Portugal
* Romania
* Slovakia
* Slovenia
* Spain
* Sweden
* UK
* Additional information on DGS data
* Deposit Guarantee Schemes data
* Guidelines for institutions and resolution authorities on improving
resolvability
* Guidelines on Business Reorganisation Plans
* Guidelines on cooperation agreements between deposit guarantee schemes
* Guidelines on early intervention triggers
* Guidelines on failing or likely to fail
* Guidelines on how information should be provided under the BRRD
* Guidelines on measures to reduce or remove impediments to resolvability
* Guidelines on methods for calculating contributions to Deposit
Guarantee Schemes (DGSs) (revised)
* Guidelines on methods for calculating contributions to Deposit
Guarantee Schemes (DGSs)
* Guidelines on necessary services
* Guidelines on payment commitments
* Guidelines on recovery plans indicators
* Guidelines on simplified obligations
* Guidelines on stress tests of deposit guarantee schemes (first
revision)
* Guidelines on stress tests of deposit guarantee schemes
* Guidelines on the asset separation tool
* Guidelines on the delineation and reporting of available financial
means of Deposit Guarantee Schemes
* Guidelines on the overall recovery capacity in recovery planning
* Guidelines on the range of scenarios to be used in recovery plans
* Guidelines on the rate of conversion of debt to equity in bail-in
* Guidelines on the sale of business tool
* Guidelines on the treatment of shareholders in bail-in
* Guidelines on the types of tests, reviews or exercises that may lead to
support measures
* Guidelines on transferability
* Guidelines on treatment of liabilities in bail-in
* Guidelines specifying the various conditions for the provision of group
financial support
* Guidelines to resolution authorities on the publication of their
approach to implementing the bail-in tool
* Implementing Technical Standards on MREL reporting by Resolution
Authorities
* Implementing Technical Standards on disclosure and reporting of MREL
and TLAC
* Implementing Technical Standards on procedures, forms and templates for
resolution planning
* Implementing Technical Standards on reporting of MREL decisions
* Implementing Technical Standards on simplified obligations
* Implementing Technical Standards on the disclosure of group financial
support agreements
* Recommendation on the development of recovery plans
* Recommendations on the coverage of entities in a group recovery plan
* Regulatory Technical Standards defining methodologies for the valuation
of derivative liabilities
* Regulatory Technical Standards on Business Reorganisation Plans
* Regulatory Technical Standards on Simplified Obligations
* Regulatory Technical Standards on conditions for the provision of group
financial support
* Regulatory Technical Standards on contractual recognition of bail-in
* Regulatory Technical Standards on detailed records of financial
contracts
* Regulatory Technical Standards on independent valuers
* Regulatory Technical Standards on indirect subscription of MREL
instruments within groups
* Regulatory Technical Standards on methodology to estimate P2 and CBR
for setting MREL requirements
* Regulatory Technical Standards on minimum requirement for own funds and
eligible liabilities (MREL)
* Regulatory Technical Standards on notifications and notice of
suspension
* Regulatory Technical Standards on resolution colleges
* Regulatory Technical Standards on resolution planning
* Regulatory Technical Standards on the assessment of recovery plans
* Regulatory Technical Standards on the content of recovery plans
* Regulatory Technical Standards on the contractual recognition of stay
powers under BRRD
* Regulatory Technical Standards on valuation
* Report on the application of early intervention measures under the BRRD
* Report on the appropriate target level basis for resolution financing
arrangements under BRRD
* Report on the implementation of the Guidelines on methods for
calculating contributions to DGSs
* Technical Standards on impracticability of contractual recognition of
bail-in
* Supervisory benchmarking exercises
* Handbook on supervisory benchmarking
* Q&A on supervisory benchmarking
* ITS package for 2017 benchmarking exercise
* ITS package for 2018 benchmarking exercise
* ITS package for 2019 benchmarking exercise
* ITS package for 2020 benchmarking exercise
* ITS package for 2021 benchmarking exercise
* ITS package for 2022 benchmarking exercise
* ITS package for 2023 benchmarking exercise
* ITS package for 2024 benchmarking exercise
* Regulatory Technical Standards and Implementing Technical Standards
2016 on benchmarking portfolio assessment standards and assessment
sharing procedures
* Remuneration
* Guidelines on Remuneration Policies and Practices
* Guidelines on remuneration policies for investment firms
* Guidelines on sound remuneration policies (second revision)
* Guidelines on sound remuneration policies
* Guidelines on the applicable notional discount rate for variable
remuneration
* Guidelines on the data collection exercise regarding high earners
* Guidelines on the high earner data collection exercises under CRD and
IFD (updated)
* Guidelines on the remuneration and gender pay gap benchmarking
exercises under IFD
* Guidelines on the remuneration benchmarking exercise
* Guidelines on the remuneration, gender pay gap and approved higher
ratio benchmarking exercises under CRD
* Regulatory Technical Standards for the definition of material risk
takers for remuneration purposes
* Regulatory Technical Standards on classes of instruments that are
appropriate to be used for the purposes of variable remuneration
* Regulatory Technical Standards on pay out in instruments for variable
remuneration under the Investment Firms Directive (IFD)
* Regulatory Technical Standards on the criteria to identify material
risk takers under the Investment Firms Directive (IFD)
* Revised Regulatory Technical Standards on identified staff for
remuneration purposes
* Securitisation and Covered Bonds
* CEBS Guidelines on the application of article 122a of the CRD
* Discussion Paper On the Significant Risk Transfer in Securitisation
* Discussion Paper on simple standard and transparent securitisations
* Guidelines on implicit support for securitisation transactions
* Guidelines on significant risk transfer (SRT) for securitisation
transactions
* Guidelines on the STS criteria for ABCP and non-ABCP securitisation
* Guidelines on the STS criteria for on-balance-sheet securitisations
* Joint Regulatory Technical Standards on STS securitisations-related
sustainability disclosures
* Regulatory Technical Standards on close correspondence between the
value of an institution’s covered bonds and the value of the
institution’s assets relating to the institution’s own credit risk
* Regulatory Technical Standards on performance-related triggers in STS
on-balance -sheet securitisations
* Regulatory Technical Standards on requirements for originators,
sponsors, original lenders and servicers relating to risk retention
* Regulatory Technical Standards on risk retention
* Regulatory Technical Standards on securitisation retention rules and
Draft Implementing Technical Standards to clarify the measures to be
taken in the case of non-compliance with such obligations
* Regulatory Technical Standards on the calculation of Kirb in accordance
with the purchased receivables approach
* Regulatory Technical Standards on the determination by originator
institutions of the exposure value of synthetic excess spread in
securitisations
* Regulatory Technical Standards on the homogeneity of the underlying
exposures in STS securitisation
* Regulatory Technical Standards on the homogeneity of the underlying
exposures in securitisation
* Supervisory reporting
* Cost of compliance with supervisory reporting
* Integrated and consistent reporting system
* Signposting tool
* Data Point Model (DPM)
* Data Point Model and Taxonomies for Implementing Technical Standard
(ITS) on Supervisory Reporting
* Guidelines for the implementation of the framework for consolidated
financial reporting (FINREP) (2005)
* Guidelines for the implementation of the framework for consolidated
financial reporting (FINREP) – Recast (2006)
* Guidelines for the implementation of the framework for consolidated
financial reporting (FINREP) – Revision 1 (2007)
* Guidelines for the implementation of the framework for consolidated
financial reporting (FINREP) – Revision 2 (2009)
* Guidelines on Common Reporting (2006)
* Guidelines on Common Reporting – Recast (2006)
* Guidelines on Common Reporting – Revision 1 (2010)
* Guidelines on Common Reporting – Revision 2 (2011)
* Guidelines on Covid -19 measures reporting and disclosure
* Guidelines on harmonised definitions and templates for funding plans of
credit institutions (updated)
* Guidelines on resubmission of historical data
* Guidelines on supervisory reporting and disclosure requirements in
compliance with CRR “quick fix” in response to the COVID‐19 pandemic
* Implementing Technical Standard on Supervisory Reporting (Asset
Encumbrance)
* Implementing Technical Standard on Supervisory Reporting (Forbearance
and non-performing exposures)
* Implementing Technical Standards Amending Commission Implementing
Regulation (EU) No 680/2014 on Supervisory Reporting of institutions -
March 2015
* Implementing Technical Standards Amending Commission Implementing
Regulation (EU) No 680/2014 on Supervisory Reporting of institutions -
March 2016
* Implementing Technical Standards Amending Commission Implementing
Regulation (EU) No 680/2014 on Supervisory Reporting of institutions
* Implementing Technical Standards Amending Regulation (EU) No 680/2014
on Supervisory Reporting of institutions with regard to prudent
valuation
* Implementing Technical Standards amending Commission Implementing
Regulation (EU) No 680/2014 (ITS on supervisory reporting) with regard
to the Leverage Ratio (LR)
* Implementing Technical Standards amending Commission Implementing
Regulation (EU) No 680/2014 with regard to the Liquidity Coverage Ratio
* Implementing Technical Standards amending Implementing Regulation (EU)
No 680/2014 with regard to operational risk and sovereign exposures
* Implementing Technical Standards on Supervisory Reporting
* Implementing Technical Standards on Supervisory Reporting amendments
with regard to IRRBB reporting
* Implementing Technical Standards on Supervisory Reporting amendments
with regards to ALMM
* Implementing Technical Standards on Supervisory Reporting amendments
with regards to COREP LCR
* Implementing Technical Standards on Supervisory Reporting amendments
with regards to COREP securitisation
* Implementing Technical Standards on Supervisory Reporting amendments
with regards to FINREP
* Implementing Technical Standards on amendments to FINREP due to IFRS 9
* Implementing Technical Standards on disclosure and reporting of MREL
and TLAC
* Implementing Technical Standards on reporting and disclosures
requirements for investment firms
* Implementing Technical Standards on reporting for v3.0 (revised)
* Implementing Technical Standards on specific reporting requirements for
market risk
* Implementing Technical Standards on supervisory reporting amendments
with regards to COREP, asset encumbrance and G-SIIs
* Implementing Technical Standards on supervisory reporting changes
related to CRR2 and Backstop Regulation
* Recommendation on the use of Legal Entity Identifier (LEI)
* Supervisory Review and Evaluation Process (SREP) and Pillar 2
* Guidelines for common procedures and methodologies for the supervisory
review and evaluation process (SREP) and supervisory stress testing
* Guidelines on ICAAP and ILAAP information
* Guidelines on ICT Risk Assessment under the SREP
* Guidelines on IRRBB and CSRBB
* Guidelines on Stress Testing
* Guidelines on Technical aspects of the management of interest rate risk
arising from non-trading activities under the supervisory review
process
* Guidelines on capital measures for foreign currency lending
* Guidelines on common procedures and methodologies for the supervisory
review and evaluation process (SREP)
* Guidelines on stress testing (revised)
* Guidelines on stress testing
* Guidelines on the Application of the Supervisory Review Process under
Pillar 2
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EBA CONSULTS ON DRAFT GUIDELINES ON LOAN ORIGINATION AND MONITORING
19 June 2019
The European Banking Authority (EBA) launched today a consultation on its draft
Guidelines on loan origination and monitoring. Learning from the elevated levels
of non-performing exposures (NPEs) across the EU in recent years, the draft
guidelines aim to ensure that institutions have robust and prudent standards for
credit risk taking, management and monitoring, and that newly originated loans
are of high credit quality. The draft Guidelines also aim to ensure that the
institutions' practices are aligned with consumer protection rules and AML
requirements. The consultation runs until 30 September 2019.
The draft Guidelines specify the internal governance arrangements for granting
and monitoring of credit facilities throughout their lifecycle. They introduce
requirements for borrowers' creditworthiness assessment and bring together the
EBA's prudential and consumer protection objectives.
The EBA has developed these Guidelines building on the existing national
experiences, addressing shortcomings in the institutions' credit granting
policies and practices highlighted by the recent financial crisis. At the same
time, these Guidelines reflect recent supervisory priorities and policy
developments related to credit granting. Particularly, they account for the need
to consider in credit granting environmental, social and governance factors,
anti-money laundering and counter-terrorist financing, as well as
technology-based innovation.
The draft Guidelines represent the first instance in which the EBA is proposing
requirements that apply to providers of consumer credit under the Consumer
Credit Directive (CCD) and to non-bank mortgage credit providers under the
Mortgage Credit Directive (MCD). This amended scope of action is the result of
the EU Commission's review of the three European Supervisory Authorities, which
is estimated to come into effect in January 2020 and will see the Consumer
Credit Directive (CCD) to be added to the EBA's scope.
CONSULTATION PROCESS
Responses to this consultation can be sent to the EBA by clicking on the "send
your comments" button on the consultation page. Please note that the deadline
for the submission of comments is 30 September 2019.
A public hearing will take place at the EBA premises in Paris on 20 September
2019 from 10:00 to 13:00 CEST.
LEGAL BASIS AND BACKGROUND
The EBA developed the Guidelines on loan origination and monitoring in
accordance with the Article 16 of Regulation (EU) No 1093/2010 in response to
the European Council Action Plan on tackling the high level of non-performing
exposures. The European Council, in its July 2017 Action Plan, invited the EBA
to "issue detailed guidelines on banks' loan origination, monitoring and
internal governance which could in particular address issues such as
transparency and borrower affordability assessment".
The draft Guidelines are envisaged to replace the existing EBA Guidelines on
creditworthiness assessments under the MCD (EBA/GL/2015/11), which the EBA
issued in June 2015, and which will be repealed with the effect from the date of
application on the Guidelines on loan origination and monitoring.
Documents
* Consultation paper
Links
* Guidelines on loan origination and monitoring
* Credit risk
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