Article 199 Description Additional eligibility for collateral under the IRB Approach Links Question & Answers Source EUR-Lex Question & Answers Paragraph 4a Links 2026_7688 US Hard test: adequacy of considering US charge-off rates corresponding to loss rates for exposures secured by residential property or commercial immovable property situated within the territory of the US 6 2013_669 Application of Article 199(6)(c) and (d) in the event that the credit institution has not liquidated any such collateral in the past