For instance, the first day of January 2023 is the final deadline for Basel III implementations. Paul Davis, Director of Market Intelligence,Strategic Resource Management. The process of cleaning up the basics can help banks to get ahead and stay off the path of adverse supervisory actions. ), 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. If stablecoins are deemed to be a security, the Pittsburgh-based company will use its brokerage unit to handle trades. As regulators continue to develop more new regulations to impose on the banking industry, compliance systems are becoming increasingly complex in response. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. The ability of existing risk management processes to capture risks resulting from external factors will be a focal point for regulators in 2023. 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. The CFPB also launched an inquiry into buy now pay later (BNPL) providers data-gathering and underwriting practices, which could lead to more supervision. In advance of the finalization of regulatory frameworks and guidance related to innovative banking activities, banking regulators are using their existing supervisory capacity to maintain the safe and sound operation of banks. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. This includes transactions where the card is not present. 19 July 2022. However, with this increase in public attention also comes an increase in attention from regulators. Has covered economic and financial policy in the U.S. capital for 15 years. Do I qualify? A Single Rulebook for the resolution of banks and large investment firms. However, though worldwide inflation is expected to reach 8.8% in 2022, it is also forecast to drop to 6.5% in 2023 and even lower to 4.1% in 2024 (lower than inflation levels in 2021), according to the International Monetary Fund. . DTTL and each of its member firms are legally separate and independent entities. Regulatory activity at the state, federal, and international levels created strong disincentives for banks to engage with crypto assets. 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. Volume 16 January - November 2015. 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. Copyright 2022 CPQi - All Rights Reserved. In either case, we expect to see significant action on some of these issues throu. While the government establishes . DTTL (also referred to as "Deloitte Global") does not provide services to clients. Principal Banking & Securities | Deloitte & Touche LLP, Managing director | Center for Financial Services, Telecommunications, Media & Entertainment, 2023 Financial Services Regulatory Outlooks Collection, Gain clarity into the regulatory risks of digital assets, Do Not Sell or Share My Personal Information. They were brought up short in 2020 by the global Covid-19 pandemic, leading to legislative enactment delays. 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). The regulation of financial instruments (deposits, futures, securities, etc. This is a big step towards enabling more efficient and integrated global financial networks. At the Barclays Global Financial Services Virtual Conference last September, Bill Demchak, PNCs chairman, president and CEO spoke, and to paraphrase his speech, the client demand is already here. Her departure will provide an opening for a new appointee and increase the likelihood that the request for comments will move ahead. New Financial Services Authority (OJK) Regulations 1. In July of 2021, the Biden Administration issued an executive order pushing federal regulatory agencies, in conjunction with the Justice Department, to adopt a plan to revitalize the oversight of bank mergers to include enhanced scrutiny. Key regulatory developments in the EU. The CFPB recently issued apress releasediscussing the banking industrys reliance on overdraft and non-sufficient funds penalties. "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. 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. Liquidity: As regulators evaluate the effects of the pandemic and the rising interest rate environment, they are examining the components of internal liquidity stress tests (ILST) and the scenarios and assumptions used by institutions in their ILST models. European Supervisory Authorities (ESAs) June 1, 2022. Debt-to-income (DTI) ratio. Thirdly, the future Data Act, which the European Commission will propose in February, should be an opportunity to move in this direction, reinforcing the right to personal data portability, to make it effective, and introducing a similar right for companies. The fee will still cost the home buyer with the lower credit . Hedge Funds The digital brain gets a caring heart. In this month's legal update, we analyse the 2022 Regulations and highlight the key changes introduced following the revocation of the 2011 Regulations. Among many other things, this regulatory change will raise the minimum capital requirements for banks from 2% to 4.5% of common equity. In 2020, the U.S. economy hit all-time lows and contracted at a 3.5% annual rate - the lowest annual rate since World War II, according to ECLAC - but, by the end of the third quarter of 2021 . The 2022 global bank regulatory outlook is tighter, as Fitch expects the reintroduction of macroprudential policies in some . Exceptional organizations are led by a purpose. Against this backdrop, our 2023 banking regulatory outlook will reflect on substantial developments in 2022 and provide a forward-looking view on possible 2023 regulatory actions across the following key areas: Federal banking regulators are watching the transformation of banking by innovative means. The cookies is used to store the user consent for the cookies in the category "Necessary". By Rachel Wooley, Global Director of Financial Crime, Fenergo. No. Banking Regulations measures in some countries The Federal Reserve Board USA, on 24 June 2021, released the results of its annual bank stress tests, which showed that 23 large banks continued to have strong capital levels, that the additional restrictions put in place during the COVID event would end and that large banks would be subject to normal restrictions of the Board's stress capital . One issue that has been the subject of intense debate is the wariness in the use of banks' capital buffers, despite the fact that the authorities have encouraged the favoring of credit over the maintenance of capital levels. To be approved for a mortgage, you'll need to meet FHA loan requirements for the following: Credit score. Banks in the United States and globally have fared well through the Covid-19 pandemic, generally reflecting strong capital and liquidity positions and a strong government response to stabilize financial markets. 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. Bank Regulation In 2022: What Financial Institutions Should Keep An Eye On. Monetary Policy. It is also worth highlighting the flexibility with which the authorities have reacted, introducing temporary relief measures. Special Issue: Dilemmas in Post-Crisis Bank Regulation: Supranationalization versus Retrenchment. The 2011 Regulations were revoked by the Banking and Financial Institutions (Financial Leasing) Regulations, G.N. Richard is a principal in Deloittes Risk & Financial Advisory practice. 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 . 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. The finalization of Basel III will bring the comparability of the internal models that banks use for capital consumption into the spotlight. Filters. Introduction. This message will not be visible when page is activated. The completion of the banking union remains a strategic objective of the European Union. The 2022 regulatory agenda impacting the US banking industry is crowded and varied. FDIC Chairman Jelena McWilliams rebuffed the effort, but she later opted to resign, effective in February. 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. Across the globe, national economies and international markets are in troublesome waters. 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. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. 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.) In a notification, the bank has said that "W.e.f. You also have the option to opt-out of these cookies. New capital requirements are anticipated in conjunction with the US finalization and implementation of the Basel III international regulatory standards, as well as the potential push-down of large bank total loss absorbing capital requirements on the largest regional banks. But opting out of some of these cookies may affect your browsing experience. 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. Outside stated priorities and expressed expectations, the FRB, OCC, Federal Deposit Insurance Corporation (FDIC), and Consumer Financial Protection Bureau (CFPB) will inevitably assess banks compliance and risk management frameworks during the normal course of supervision. 01st February 2022, Positive Pay confirmation will be mandatory for cheques issued for Rs.10.00 lacs & above. New Banking Regulation 1. as soon as . They continue to emphasize increased involvement and accountability of the board and senior leadership in setting the strategy and overseeing the organizations cybersecurity program. Not only are banks around the world scrambling to find ways to ensure their compliance systems are prepared for an onslaught of new regulations in late 2022 and beyond, but they are also struggling to find and onboard talented compliance professionals, as the hiring pool remains ever-competitive. 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. 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. 5 banking trends to watch in 2022. Regulations on sustainability and digitalisation have moved to the forefront . We see the following topics as fundamental to improving key functions and capabilities contributing to a banks governance and controls as well as its safe and sound operation: Demand for better data governance and reporting: Increasing data availability and improving data quality represent two critical priorities for banks. This cookie is set by GDPR Cookie Consent plugin. While banks are generally allowed to operate in that space, unanswered questions limit what some financial institutions are comfortable offering to clients. 575 of 2022 as published on 23 September 2022 (the 2022 Regulations). Below, I will focus on a handful of topics banks and credit unions should closely monitor as they pursue growth strategies. 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. The Real Risks Of Underestimating Your Investment Time Horizon, Exxon And Chevron Notch Earnings Beats As Big Oil Continues To Fire, GDP Growth Slows In Q1, Adding Fuel To The Recession Fire, Three Things Companies Should Consider When Targeting Gen Z, 3 Reasons Small Businesses Turn To Alternative Financing, 15 Overlooked Financial Planning Topics Clients Forget To Ask About, How To Prepare For Mortgage Success During Uncertainty, Thematic Investing During A Transformative Year, gave federally chartered credit unions a gift. French crowdfunding players, who initially had until 10 November 2022 to comply with the new regulations, benefit from an additional period of time . Inflation is in some nations at record-breaking numbers, causing the cost of living to rocket up as well. While every organization may want to dynamically adapt to change and succeed, those acting proactively now by linking their strategic goals with regulatory expectations will likely lead. Social login not available on Microsoft Edge browser at this time. Expertise from Forbes Councils members, operated under license. Sort by . 4 After reporting $5.3 billion in loan loss provisions in the first quarter of 2022, the industry reported another $11.7 billion in the second quarter. Publication of a new Prudential and Resolution Policy Index. June 14, 2022. If you want to exercise your data subject rights, please contact us (dpo@cpqi.com). Want to join the CPQi team? These cookies ensure basic functionalities and security features of the website, anonymously. Financial Services Regulation - What will Keep Compliance Officers Awake at Night in 2022. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Download our report to learn more. Ongoing regulatory scrutiny means that the legal arrangements, cultural differences, and potential governance gaps between banks and nonbanks need to be clearly understood and addressed by all stakeholders to achieve effective compliance. The legislation also provided the Financial Consumer Agency of Canada (FCAC) with new powers to better protect you in your dealings with banks. Volume 22 March - December 2021. PNC Financial Services Group said during a recent conference, while it has a stablecoin trading platform ready to go, it needs more clarity from regulators. On 9 March 2022, the Central Bank (Individual Accountability Framework) Act 2023 was signed by the President (here). 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. As New York's chief financial . as soon as possible, as there is a growing demand from customers. New York's Chief Financial Regulator Promised Climate Action This Year. The ability to offer services cleanly on mobile is built and ready and they are simply answering a few more questions. Stay Connected . 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. Brief description. Regulation : 24/5/PBI/2022 Date : 1 March 2022 Title (Indonesian) : Insentif bagi Bank yang Memberikan Penyediaan Dana untuk Kegiatan Ekonomi Tertentu dan Inklusif 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. First, the regulation on Artificial Intelligence (AI), at an early stage of negotiation. The final rule amends the deposit insurance regulations by merging the revocable and irrevocable trusts categories into one category. The agency seeks to make clear the rule requiring the enablement of no less than two unaffiliated payment card networks. 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 cooperation and information exchange between prudential supervisors, AML/CFT supervisors and financial intelligence units, Guidelines on policies and controls for the effective management of ML/TF risks when providing access to financial services, Guidelines on risk factors and simplified and enhanced customer due diligence, Guidelines on risk-based supervision (First revision), Guidelines on risk-based supervision (Second revision), Guidelines on the role of AML/CFT compliance officers, Guidelines on the use of remote customer onboarding solutions, JC Guidelines on cooperation and information exchange for AML/CFT supervision purposes, Joint Guidelines to prevent transfers of funds can be abused for ML and TF, Regulatory Technical Standards on CCP to strengthen fight against financial crime, Regulatory Technical Standards on a central database on AML/CFT in the EU, Regulatory Technical Standards on the implementation of group wide AML/CFT policies in third countries, Guidelines for 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), Regulatory Technical Standards on the treatment of equity exposures under the IRB Approach, Regulatory technical standards on disclosure of information related to the countercyclical capital buffer, Regulatory technical standards on specialised lending exposures, Regulatory technical standards on the permanent and temporary use of IRB approach, External Credit Assessment Institutions (ECAI), Decision on the Use of Unsolicited Credit Assessments, Guidelines on the recognition of External Credit Assessment Institutions (repealed), Implementing Technical Standards on the mapping of ECAIs Credit Assessments for securitisation positions, Implementing Technical Standards on the mapping of ECAIs credit assessments under the SA, Consultation on the Joint Committee response to the Call for Advice on the Fundamental Review of the Financial Conglomerates Directive (FICOD) received from the European Commission in April 2011, Guidelines on the convergence of supervisory practices relating to the 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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