EBA E-mail alert 5 June, 2026

Should Article 21 MCD be interpreted as requiring a Member State to ensure that a credit database established in that Member State can be accessed also by creditors from a Member State other than the one where a credit database is located for the purpose of granting a mortgage loan to consumers and monitoring consumers’ compliance with the credit obligations over the life of the credit agreement?

In reference to the validation rule 'v3078_m' should the held for trading positions be excluded while reporting the maximum amount of the guarantee received in FINREP F_09.02

Should cash balances at central banks and other demand deposits be included in disclosure template EU CQ4 as provided in the EBA IT Solutions / Mapping Tool (versions 4.1 and 4.2) even though such positions are not mentioned in Article 442(c) and (e) CRR?