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Perform SCA by reusing an element used in an authentication exempted from SCA
When an element is used to access the payment account online, in the case the Payment Service Provider (PSP) is allowed not to apply Strong Customer Authentication (SCA) (only applying a single-factor authentication : login + password), is it possible to reuse this element to perform SCA to authenticate a transaction ?
Legal act: Directive 2015/2366/EU (PSD2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication
ID: 2020_5516|
Topic: Strong customer authentication and common and secure communication (incl. access)|
Date of submission: 25/09/2020
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Transport and parking exemption for parking and electric vehicle charging
Does the transport and parking exemption under Article 12 of Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication apply to transactions at unattended terminals for the payment of a parking fee that includes electric charging?
Legal act: Directive 2015/2366/EU (PSD2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication
ID: 2020_5224|
Topic: Strong customer authentication and common and secure communication (incl. access)|
Date of submission: 29/04/2020
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Payment Initiation Scope and Trusted Beneficiaries
Should non-payment accounts be listed as trusted beneficiaries where they are exempted from Strong Customer Authentication (SCA) as Beneficiaries of a Payment Transaction?
Legal act: Directive 2015/2366/EU (PSD2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication
ID: 2020_5135|
Topic: Strong customer authentication and common and secure communication (incl. access)|
Date of submission: 18/02/2020
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Using Trusted Beneficiary Lists to Auto Reject PISP Transactions
Is an Account Servicing Payment Service Provider (ASPSP) able to block a Payment Initiation Services Provider (PISP) transaction before attempting Strong Customer Authentication (SCA) if the beneficiary account does not appear in the Payment Services User (PSU)'s regular payee list/trusted beneficiary list?
Legal act: Directive 2015/2366/EU (PSD2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication
ID: 2020_5115|
Topic: Strong customer authentication and common and secure communication (incl. access)|
Date of submission: 10/02/2020
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Strong Authentication
Is one time passcode (OTP) Mail considered as a "Strong Customer Authentication" under Regulation (EU) 2018/389 – RTS on strong customer authentication and secure communication?
Legal act: Directive 2015/2366/EU (PSD2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication
ID: 2018_4315|
Topic: Strong customer authentication and common and secure communication (incl. access)|
Date of submission: 08/10/2018
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Ability of static card data to be considered a possession factor?
Can static card data (Card number PAN + cardholder name +Exp. Date + static CVV2/CVC2) be considered a as a possession factor, and if so: is it strong enough to be a valid factor in a 2-factor Strong customer authentication (SCA)?
Legal act: Directive 2015/2366/EU (PSD2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication
ID: 2018_4235|
Topic: Strong customer authentication and common and secure communication (incl. access)|
Date of submission: 06/09/2018
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SMS OTP and credit card as a two authentication factor
Can we consider Credit card and One Time Password (OTP) SMS as a two authentication factor ?
Legal act: Directive 2015/2366/EU (PSD2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) 2018/389 - RTS on strong customer authentication and secure communication
ID: 2018_4135|
Topic: Strong customer authentication and common and secure communication (incl. access)|
Date of submission: 18/07/2018
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Unlikeliness to pay (UTP) - exit from NP status
Can a customer exit non-performing status immediately (provided of course no other UTP criteria are applicable), or does a period of 12 months need always to pass before the customer can exit?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: EBA/GL/2018/06 - Guidelines on management of non-performing and forborne exposures
ID: 2019_4867|
Topic: Credit risk|
Date of submission: 12/08/2019
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Article 395 CRR – Shadow entities large exposure limits
If a bank invests through a vehicle, incorporated under the applicable Securitisation Law, with separate compartments per investor and where the paid out of each Note is segregated per portfolio of loans, may each Note be deemed a separate shadow entity?
Legal act: Regulation (EU) No 575/2013 (CRR) as amended
COM Delegated or Implementing Acts/RTS/ITS/GLs: EBA/GL/2015/20 - Guidelines on limits on exposures to shadow banking entities which carry out banking activities outside a regulated framework under Article 395(2) of CRR
ID: 2019_4501|
Topic: Large exposures|
Date of submission: 01/02/2019
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Criteria for rating transfer
Can “clear policies” referred to in paragraph 62 – such as recognising the relationship between a subsidiary and its consolidating parent or recognising any other form of control as defined in Article 4(1)(37) of Regulation (EU) No 575/2013 – which lack the features of a material contractual support – be considered as “appropriate guarantee", thereby supporting the rating transfer?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: EBA/GL/2017/16 - Guidelines on PD estimation, LGD estimation and the treatment of defaulted exposures
ID: 2019_4745|
Topic: Credit risk|
Date of submission: 27/05/2019
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Collateral swap in case of Domestic Central Bank Counterparty
With the Amended Delegated Act 2018/1620, what are the run off rates and where collateral swaps with central bank counterparties must be reported ?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5190|
Topic: Supervisory reporting - Liquidity (LCR, NSFR, AMM)|
Date of submission: 27/03/2020
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Credit for consumption
How should "Credit for consumption" be interpreted for reporting in FINREP templates 5.1, 7.1, 18, 19 and 20.4? There appears to be two plausible and defendable means of determining the intended scope.
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5167|
Topic: Supervisory reporting - FINREP (incl. FB&NPE)|
Date of submission: 10/03/2020
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Reporting of the Undrawn limits of credit cards and overdrafts in F09.01.1 Off-balance sheet exposures: Loan commitments, financial guarantees and other commitments given.
Where to report the Undrawn limits of credit cards and overdrafts?
Should the Undrawn limits of credit cards and overdrafts be shown in F 09.01.1 row 10 (Loan commitments given) or in row 170 (Other commitments given)?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5159|
Topic: Supervisory reporting - FINREP (incl. FB&NPE)|
Date of submission: 04/03/2020
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Reporting of (committed) credit and liquidity facilities in the C 66.01 maturity ladder template
Are the committed facilities to be reported in row 1090 (under ID 4.1) of the C 66.01 maturity ladder template strictly limited to the committed credit and liquidity facilities referred to in Article 31 of amended Delegated Regulation (EU) 2015/61 or should institutions consider a broader scope of such facilities?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5157|
Topic: Supervisory reporting - Liquidity (LCR, NSFR, AMM)|
Date of submission: 03/03/2020
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Treatment of impediments to the availability of assets and cash inflows in the C 66.00 maturity ladder template
How should potential impediments to the availability of assets and cash inflows be considered in the C 66.00 maturity ladder template?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5156|
Topic: Supervisory reporting - Liquidity (LCR, NSFR, AMM)|
Date of submission: 03/03/2020
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Netting of cash flows in the C 66.00 maturity ladder template
Can institutions report cash flows on a net basis in the C 66.00 maturity ladder template, in particular where such netting of cash flows is explicitly allowed for the purpose of the calculation of the Liquidity Coverage Ratio (LCR)?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5155|
Topic: Supervisory reporting - Liquidity (LCR, NSFR, AMM)|
Date of submission: 03/03/2020
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Reporting of cash flows related to ‘forward starting’ transactions in the C 66.00 maturity ladder template
What are the exact requirements for the reporting of cash flows related to ‘forward starting’ transaction (transactions already agreed and valid as of the reporting date, yet producing both start and end cash flows in the future) in C 66.00 maturity ladder template? Would it be possible to report the start leg and end leg of a forward starting transaction in the same row?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5154|
Topic: Supervisory reporting - Liquidity (LCR, NSFR, AMM)|
Date of submission: 03/03/2020
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Reporting of interest-related cash flows in the C 66.00 maturity ladder template
What are the exact requirements for the reporting of interest-related flows in the C 66.00 maturity ladder template?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5152|
Topic: Supervisory reporting - Liquidity (LCR, NSFR, AMM)|
Date of submission: 03/03/2020
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Reporting of cash flows related to ‘extraordinary’ and one-off transactions in the C 66.00 maturity ladder template
What are the conditions for inclusion of cash flows related to ‘extraordinary’ and one-off transactions in the C 66.00 maturity ladder template?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5151|
Topic: Supervisory reporting - Liquidity (LCR, NSFR, AMM)|
Date of submission: 03/03/2020
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Reporting of ceded assets, that are part of a cover pool, in asset encumbrance.
Shall cell F32.04, r100, c040 be opened?
Legal act: Regulation (EU) No 575/2013 as amended by Regulation (EU) 2019/876 (CRR2)
COM Delegated or Implementing Acts/RTS/ITS/GLs: Regulation (EU) No 680/2014 - ITS on supervisory reporting of institutions (as amended)
ID: 2020_5142|
Topic: Supervisory reporting - Asset Encumbrance|
Date of submission: 25/02/2020
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