new banking regulations 2022

Banks and credit unions will need to monitor these developments throughout 2022. The overarching goal of the so-called Basel III agreement and its implementing act in Europe, the so-called CRD IV package, is to strengthen the resilience of the EU banking sector so it would be better placed to absorb economic shocks while ensuring that banks continue to finance economic activity and growth. New York's Chief Financial Regulator Promised Climate Action This Year. 2023 banking regulatory outlook has been saved, 2023 banking regulatory outlook has been removed, An Article Titled 2023 banking regulatory outlook already exists in Saved items. The cookie is used to store the user consent for the cookies in the category "Performance". A comprehensive listing of federal acts and banking regulations, with links to full analyses and related news. Terminology is also likely to be standardized. Topics such as evaluating big bank mergers, data privacy, Bank Secrecy Act/anti-money laundering reform and the implementation of the Current Expected Credit Loss (CECL) accounting standard are expected to come to the fore as the year unfolds. The finalization of Basel III will bring the comparability of the internal models that banks use for capital consumption into the spotlight. The ability of existing risk management processes to capture risks resulting from external factors will be a focal point for regulators in 2023. Banking Regulations Update KM No.3/May/2022 23 May 2022 . 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 Santiago Fernndez de Lis, Head of Regulation at BBVA, reviews the keys to financial regulation in the year that has just begun. Stay Connected . If stablecoins are deemed to be a security, the Pittsburgh-based company will use its brokerage unit to handle trades. ), Continuous, 24/7 execution of previously manual tasks with minimal human supervision required, Redeployment of resources to more value-add tasks, Enhanced data quality, documentation, and report accuracy, Streamlining of compliance processes thanks to enhancements made to automation bots once new logic on requirements and errors is identified. Pension Funds. Key regulatory developments in the EU. October 6, 2021. Not only do we provide resource augmentation and digital development services, but we also offer quality implementations of robotic process automation solutions, AI-powered predictive technology, and end-to-end digital banking solutions. By Jon Hill. The 2011 Regulations were revoked by the Banking and Financial Institutions (Financial Leasing) Regulations, G.N. The National Credit Union Administrationgave federally chartered credit unions a giftlate last year by providing guidance, allowing them to work with third parties on products and services tied to digital assets such as cryptocurrency. The Presidents Working Group on Financial Markets, which includes federal bank regulators, urged Congressto develop a new framework specific to stablecoins. In a notification, the bank has said that "W.e.f. Leadership should continue to have dialogues with examiners and field supervisors at the various agencies. It also makes sense to keep in touch with outside advisors and engage with state and national associations to lobby and petition your position with lawmakers. These issues should be front and center, especially as interest rates remain low, deposit levels stay high, competition is intense and innovation is critical to bringing in more fee income. BBVA is confident that some aspects of the proposal will be improved to better adjust the definition of AI to those techniques that are truly advanced. DTTL (also referred to as "Deloitte Global") does not provide services to clients. November 2015, issue 4; July 2015, issue 3; On 9 March 2022, the Central Bank (Individual Accountability Framework) Act 2023 was signed by the President (here). According to BBVA's Head of Regulation, identifying the problems to be solved with the digital euro beforehand is essential, so that its design is adapted to the solution of these issues and risks are minimized. But opting out of some of these cookies may affect your browsing experience. Expertise from Forbes Councils members, operated under license. Moving into 2022, financial services firms will continue to implement the tail end of the post-2008 regulatory programme, but the thematic focus has shifted. Regulators could have a significant influence on the financial services industry this year. March 2022, issue 1. This includes transactions where the card is not present. Paul Davis, Director of Market Intelligence, Strategic Resource Management. However, with this increase in public attention also comes an increase in attention from regulators. Want to join the CPQi team? Climate-related financial risk: Domestic and international supervisors have reached a consensus around the need to manage climate-related financial risk, given the potential for unmanaged risk to have an adverse and possibly disparate impact on the local and global financial systems. The expert points out that important steps are being taken, such as the announcement at COP 26 that the global standards authority (the IFRS Foundation) has formed a committee to prepare a single international green standard. "We expect further reporting regarding the usage and management of the 2022 and 2023 extended U.S. dollar LIBOR rates once the rest of the globe has completed their transitions in December. Source/Date. Another area to watch is how a pronounced shift in customer behavior during the pandemic led to a rise in BNPL activity. In either case, we expect to see significant action on some of these issues throu. The first half of 2022 saw a few noteworthy proposals and other actions by the US banking regulators. The agency seeks to make clear the rule requiring the enablement of no less than two unaffiliated payment card networks. Capital: Capital planning uncertainty will continue in 2023 as new risks emerge. Elements of governance and controls are also emphasized by the Office of the Comptroller of the Currency (OCC) and deemed priority objectives for 2023. Consumer protection and financial inclusion: We expect regulators continued momentum in protecting against consumer harm in 2023, especially at the margins of the regulatory perimeter. Necessary cookies are absolutely essential for the website to function properly. Rohit Chopra, the CFPBs director, has been quoted as saying that the agency will intervene to restore meaningful competition. It remains to be seen if there will be a broad directive or action against specific financial institutions. European Supervisory Authorities (ESAs) June 1, 2022. Volume 22 March - December 2021. Stay current on crypto regulatory trends in banking & capital markets, Climate risk regulatory developments in the financial services industry. Learn about new regulatory initiatives, share common compliance concerns, and seek input from peers on compliance challenges. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. The European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs) published a joint report, which provides a . Otherwise, its bank could offer products and services. Financial Services Regulation - What will Keep Compliance Officers Awake at Night in 2022. June 14, 2022. Proposed guidance and recommendations are outstanding at all of the federal banking agencies. By Rachel Wooley, Global Director of Financial Crime, Fenergo. To stay logged in, change your functional cookie settings. These cookies track visitors across websites and collect information to provide customized ads. As part of the PRA and Bank's commitment to make policies more accessible, this Index brings them . It should also allow users to access and share their data easily, something that BBVA believes should not be limited only to large digital platforms, but should be extended to all sectors of the economy. This is a BETA experience. Opinions expressed are those of the author. The digital euro is partly a reaction to competition from cryptocurrencies and the possibility that other central banks may also issue digital currencies, so it is important that work is also done on the regulation of cryptoassets and a framework for cooperation between central banks in the design and implementation of digital currencies. Please see www.deloitte.com/about to learn more about our global network of member firms. Within 90 calendar days of account opening (the "qualification period"), receive a total of $1,000 or more in qualifying direct deposits to your new checking account. 01st February 2022, Positive Pay confirmation will be mandatory for cheques issued for Rs.10.00 lacs & above. This summer, the Federal Reserve surprised card issuers with a proposal to update how it handles interchange fees, seeking comments on a plan to adjust the rules for the debit routing for online transactions. DTTL and each of its member firms are legally separate and independent entities. Insurance Companies The regulations introduce new requirements to protect bank customers, including by raising the maximum amount of a Federal Government cheque that a bank must cash for free from $1,500 to . Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. You may opt-out by. Do I qualify? In the United States, Deloitte refers to one or more of the US member firms of DTTL, their related entities that operate using the "Deloitte" name in the United States and their respective affiliates. However, the increasing need for additional resources to carry out compliance activities can challenge even expanded budgets. He leads complex and transformative projects, assisting banking and fintech clients in setting up new entities, enabling M&A ac More, Irena is a principal in Deloitte & Touche LLPs US Banking and Securities Regulatory practice with experience in providing clients assistance with regulatory, governance, compliance, risk management, More, Jim is the managing director of the Deloitte Center for Financial Services, where he is responsible for defining the marketplace positioning and development of the Centers eminence and key activities More. Banco Bilbao Vizcaya Argentaria, S.A. 2023, Sustainability and responsible banking model, Photos Directors / Executive Leadership Team, The road to economic recovery: the evolution of COVID-19s impact on consumption, Shareholders and Investors Communication and Contact Policy, Corporate Governance and Remuneration Policy, Information Circular 2/2016 of Bank of Spain, BBVA Policy on Conduct in the Securities Markets, Information related to integration transactions, the European Commission's Basel III transposition. Below, I will focus on a handful of topics banks and credit unions should closely monitor as they pursue growth strategies. In 2023, we expect to see major changes to banking regulation around the world, especially as critical deadlines come to pass. GLI: Banking Regulation 2023 - France chapter written by Arnaud Pince - Almain covering 6 topics. FDIC Chairman Jelena McWilliams rebuffed the effort, but she later opted to resign, effective in February. Sort by . For banks that operate in more than one geographical area, applying different regulations in each one, while complying with the requirements at the consolidated level in the country where their parent company is located, is a major complication. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Continuous change, delays, and additions can make it tough for financial services organizations to navigate the regulatory landscape in 2023. Fernndez de Lis argues that finding a balance between regulation and innovation is very important, because the development and use of AI is key to Europe's competitiveness. Inflation is in some nations at record-breaking numbers, causing the cost of living to rocket up as well. The disruptive factors of 2022, such as high inflation, interest rate volatility, the Russia-Ukraine conflict, lingering effects of the pandemic, stock and bond market downturns, and events in the crypto asset markets, have influenced banking regulatory perspectives and will likely impact the direction banking regulations will take in 2023. Negotiations on the new European cryptoassets regulation (MiCA) are moving forward and BBVA is confident that it will be approved in the first half of 2022. Regulations on sustainability and digitalisation have moved to the forefront . Volume 16 January - November 2015. Loan size. Negotiations between the Commission, the Council and the European Parliament will begin in 2022, where some aspects of this proposal can be fine-tuned. Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee ("DTTL"), its network of member firms, and their related entities. For example, banks can leverage AI to shorten the KYC and AML compliance requirements by conducting the . Brief description. The regulation of financial instruments (deposits, futures, securities, etc. As President Bidens appointees take over at agencies such as the Consumer Financial Protection Bureau (CFPB), the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC), their leadership could shape numerous critical operational scenarios for banks and credit unions. Any concern about intensified scrutiny could encourage banks contemplating a big deal to go ahead and pursue one before it becomes more difficult. In this sense, it is to be hoped that these reforms will restore a more level playing field between banks with a more aggressive use of internal models and those with a more standard business model, which include most Spanish banks. Forbes Finance Council is an invitation-only organization for executives in successful accounting, financial planning and wealth management firms. Secondly, the new regulation on large digital platforms (DMA), which is expected to be approved in the first half of 2022. | NYSDFS. The cookies is used to store the user consent for the cookies in the category "Necessary". As regulators continue to develop more new regulations to impose on the banking industry, compliance systems are becoming increasingly complex in response. As your institution works to fortify its compliance systems, consider a partnership with CPQi (an Exadel company) to gain the added advantage of technological expertise. Explore Deloitte University like never before through a cinematic movie trailer and films of popular locations throughout Deloitte University. Monetary Policy. Issuers should prepare for increased compliance burdens by reviewing their existing contracts terms, volume commitments and compliance implications. In the expert's opinion, the important thing is for Europe to have a clear regulatory framework for the provision of services related to cryptoassets (custody, exchange, etc.) Copyright 2022 CPQi - All Rights Reserved. This website uses cookies to improve your experience, and by continuing to browse this website, you are declaring that you are aware of these conditions. Bank Regulation In 2022: What Financial Institutions Should Keep An Eye On. See how we connect, collaborate, and drive impact across various locations. When a bank utilizes resource augmentation services, not only do they gain access to some of the necessary physical and digital resources but also to the talented experts that come with them. On Tuesday 19 July 2022, jointly the Prudential Regulation Authority (PRA) and the Bank of England (the Bank) published an Index of Prudential and Resolution Policies. From the Federal Reserve Board of Governors (FRB) perspective, banks still have work to do to meet supervisory expectations, especially in the area of governance and controls. This cookie is set by GDPR Cookie Consent plugin. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. Social login not available on Microsoft Edge browser at this time. On the other hand, at the international level, it points to the need for greater coordination in the regulation and supervision of the crypto world, which poses challenges such as stablecoins or decentralized finance (DeFi). French crowdfunding players, who initially had until 10 November 2022 to comply with the new regulations, benefit from an additional period of time . Publication of a new Prudential and Resolution Policy Index. A Single Rulebook for the resolution of banks and large investment firms. On August 18, 2021, the central bank published a notification that said the . For the coming months, the new German government's program envisages a bank deposit reinsurance scheme that could be a first step towards a single deposit insurance scheme. Paul Davis, Director of Market Intelligence,Strategic Resource Management. Deloitte outlines some of the key business benefits of automated technologies, including: Resource augmentation offers banks the opportunity to meet the challenge of a limited pool of professional talent head-on. 9 Mr Sopnendu Mohanty, Chief FinTech Officer, MAS, said, "The live pilots led by industry participants demonstrate that with the appropriate guardrails in place, digital assets and decentralised finance have the potential to transform capital markets. Her departure will provide an opening for a new appointee and increase the likelihood that the request for comments will move ahead. This is why he believes it is vital for authorities to strike a balance between appropriate coordination of standards and some flexibility in applying them in countries where standards are not as evolved. These cookies will be stored in your browser only with your consent. The Government's post-Brexit vision for financial services envisages the UK as a more open, competitive and technologically advanced financial centre. Go to page Go to page. With all of this in mind, lets take a look at three key considerations for banking compliance in 2023: When it comes to preparing for regulatory change in 2023, many banks are turning to digital solutions. At Deloitte, our purpose is to make an impact that matters by creating trust and confidence in a more equitable society. Regulation : 24/5/PBI/2022 Date : 1 March 2022 Title (Indonesian) : Insentif bagi Bank yang Memberikan Penyediaan Dana untuk Kegiatan Ekonomi Tertentu dan Inklusif Head to our careers page and apply! Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Among many other things, this regulatory change will raise the minimum capital requirements for banks from 2% to 4.5% of common equity. Looking to 2023, marketplace developments will continue to pressure Congress and regulators to better define who is within the federal bank regulatory perimeter and the supervisory regimes these insiders (banks and nonbanks) will face. In this month's legal update, we analyse the 2022 Regulations and highlight the key changes introduced following the revocation of the 2011 Regulations. The completion of the banking union remains a strategic objective of the European Union. According to an October 2022 report from Thomson Reuters, roughly 62% of financial service providers expected their compliance budgets to increase in 2022. In recent years, there has been little political interest in completing the banking union, but the European reaction to the COVID crisis has generated a remarkable pooling of risks, with instruments such as the NGEU funds and the issuance of European debt to finance them. ), The regulation of entities (banks, broker-dealers, money transmission providers, etc. Given this recommendation, those regulators could weigh in more strongly on stablecoins and crypto this year. This message will not be visible when page is activated. After a transitional period of two years, which will come to an end on 31 December 2021, all financial service providers will move to a new regime when dealing with prospective and actual clients in or from Switzerland. Another regulation the RBI has introduced is about the bank lockers, which will be applicable from January 1, 2022. Do not delete! This debate is partly due to fears that the market will penalize banks with lower capital levels, as well as uncertainty about the course of the pandemic and the recovery. Negotiations on the new European cryptoassets regulation (MiCA) are moving forward and BBVA is confident that it will be approved in the first half of 2022. Down payment. The plans to ease regulations on financial services are being described as another "Big Bang" - a reference to the deregulation of financial services by Margaret Thatcher's government in 1986. This year could be one of significant regulatory changes keep an eye out! On this point, Fernndez de Lis stresses that the European Commission's Basel III transposition proposal is balanced and provides for some adaptation to the particularities of the European banking sector. Filters. A reversal on in-office work from Goldman Sachs may represent a pivot point in the acceptance of remote policies. Specifically, the potential impact of changing fiscal and economic conditions on banks capital and liquidity positions will need additional consideration in stress testing and other risk management measures. And there is a growing outcry from lawmakers to increase oversight, based on a belief that BNPL could encourage people to overspend. The CFPB recently issued apress releasediscussing the banking industrys reliance on overdraft and non-sufficient funds penalties. European Forum for Innovation Facilitators, Discussion Paper on management and supervision of ESG risks for credit institutions and investment firms, EBA regulation and institutional framework, Conflicts of interest of members of the governing bodies and other committees, Occupational activities after leaving the EBA, Current procurement procedures with a value of 140,000 or more, Current procurement procedures between 15,000 and 140,000, Archived Information on ex-post publicity, EBA at a glance: key achievements in 2020 and future priorities, Implementing FSB Key Attributes on resolution matters, 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 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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, 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 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, 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, 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), 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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, 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 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), 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, 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, Implementing Technical Standards on disclosure for leverage ratio, 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, 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, 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), 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 institutions 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, 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, 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, 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, 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, Discussion Paper on the payment fraud data received under PSD2, Guidelines on the limited network exclusion under PSD2, Guidelines on authorisation and registration 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, Notifications on resolution cases and use of DGS funds, Cooperative Bank of Peloponnese Coop Ltd resolution case, 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 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 stress tests of deposit guarantee schemes (first revision), Guidelines on stress tests of deposit guarantee schemes, 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 treatment of shareholders in bail-in, Guidelines on the types of tests, reviews or exercises that may lead to support measures, 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, 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, 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, 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 institutions covered bonds and the value of the institutions assets relating to the institutions 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, Integrated and consistent reporting system, Cost of compliance with supervisory reporting, 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 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 COVID19 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 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 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 the Application of the Supervisory Review Process under Pillar 2, Guidelines on the management of concentration risk under the supervisory review process, Guidelines on the pragmatic 2020 supervisory review and evaluation process in light of the COVID-19 crisis, Regulatory Technical Standards on IRRBB standardised approach, Regulatory Technical Standards on IRRBB supervisory outlier tests, Regulatory Technical Standards on Pillar 2 add-ons for investment firms, Third country equivalence and international cooperation, Fourth update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, Third update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, Second update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, First update to recommendation on equivalence of non-EU authorities for participation in supervisory colleges, Guidelines on equivalence of non-EU authorities for participation in supervisory colleges, Guidelines on the equivalence of confidentiality regimes, Recommendation on the equivalence of confidentiality regimes, Guidelines amending disclosure guidelines, Guidelines on disclosure of encumbered and unencumbered assets, Guidelines on disclosure of non-performing and forborne exposures, Guidelines on disclosure requirements on IFRS 9 transitional arrangements, Guidelines on disclosure requirements under Part Eight of Regulation (EU), Guidelines on materiality, proprietary and confidentiality and on disclosure frequency, Implementing Technical Standards (ITS) on prudential disclosures on ESG risks in accordance with Article 449a CRR, Implementing Technical Standards on disclosure of indicators of global systemic importance by G-SIIs, Implementing Technical Standards on disclosure of information on exposures to interest rate risk on positions not held in the trading book, Implementing Technical Standards on institutions public disclosures of the information referred to in Titles II and III of Part Eight of Regulation (EU) No 575/2013, Joint Regulatory Technical Standards on ESG disclosure standards for financial market participants, Joint Regulatory Technical Standards on content and presentation of sustainability disclosures, Regulatory Technical Standards on disclosure of investment policy by investment firms, Regulatory Technical Standards on the disclosure of encumbered and unencumbered assets, Amendment to Implementing Technical Standards on Supervisory Disclosure, Approach to financial technology (Fintech), Discussion paper on proportionality assessment methodology, Guidelines on Impact Assessment for EU Lamfalussy Level 3 Committees, Guidelines on supervisory disclosure (revised), Guidelines on the appropriate subsets of exposures in the application of the systemic risk buffer, Guidelines on the authorisation of credit institutions, Guidelines on the monitoring of the threshold for establishing an intermediate EU parent undertaking, Guidelines regarding revised Article 3 of Directive 2006/48/EC, 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 143(3) of CRD, Implementing Technical Standards on the procedures and forms in respect of acquisitions and increases of qualifying holdings, Joint Guidelines for the assessment of mergers and acquisitions, Joint Guidelines for the prudential assessment of acquisitions of qualifying holdings, Principles for Benchmarks-Setting Processes in the EU, Recommendation to the Bulgarian National Bank and the Bulgarian Deposit Insurance Fund, Recommendations on supervisory oversight of activities related to banks participation in the Euribor panel, Technical Standards on the authorisation of credit institutions, Discussion Paper on the future changes to the EU-wide stress test, Quantitative impact study/Basel III monitoring, Finalised Basel III standards (Dec 2017) Call for Advice, Review on the consistency of Risk Weighted Assets, Threshold monitoring of intermediate parent undertakings, National registers of admitted credit intermediaries under the MCD, Register of payment and electronic money institutions under PSD2, Global Systemically Important Institutions (G-SIIs), Other Systemically Important Institutions (O-SIIs), Opinions related to macroprudential policy, National competent authorities for consumer protection, EBA informs customers of UK financial institutions about the end of the Brexit transition period.
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