Guidelines on loan origination and monitoring

  • Status: Final and translated into the EU official languages

The 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 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 Guidelines also aim to ensure that the institutions’ practices are aligned with consumer protection rules and AML requirements.

Summary of document history

Previous versions Current version Ongoing versions

Final report on Guidelines on loan origination and monitoring

  • Status: In force
  • Application date:
  • Compliance deadline:
Documents
Guidelines on loan origination and monitoring

(780.85 KB - PDF) Last update 25 August 2022

Appendix - Feedback Table for GL on loan origination and monitoring

(826.27 KB - PDF) Last update 29 May 2020

Explanatory note on Guidelines on loan origination and monitoring

(906.65 KB - PDF) Last update 29 May 2020

Compliance table

(235.32 KB - PDF) Last update 25 July 2023

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