Discover actionable insights in our regulatory outlooks collection. DTTL and each of its member firms are legally separate and independent entities. The regulation of financial instruments (deposits, futures, securities, etc. Please see www.deloitte.com/about to learn more about our global network of member firms. I have read and accept CPQi's Privacy Policy. The final rule amends the deposit insurance regulations by merging the revocable and irrevocable trusts categories into one category. 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. The finalization of Basel III will bring the comparability of the internal models that banks use for capital consumption into the spotlight. Cultivating a sustainable and prosperous future, Real-world client stories of purpose and impact, Key opportunities, trends, and challenges, Go straight to smart with daily updates on your mobile device, See what's happening this week and the impact on your business. 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. 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. This website uses cookies to improve your experience while you navigate through the website. The new and enhanced protections took effect on June 30, 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 Several other large mergers, however, remain in limbo as 2022 continues. Her departure will provide an opening for a new appointee and increase the likelihood that the request for comments will move ahead. Inflation is in some nations at record-breaking numbers, causing the cost of living to rocket up as well. 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. The general opinion is that the Fed will provide more clarity in 2022. June 14, 2022. . Explore Deloitte University like never before through a cinematic movie trailer and films of popular locations throughout Deloitte University. Please enable JavaScript to view the site. A key reflection has therefore begun on how to improve the capacity to release these buffers. The European Supervisory Authorities (EBA, EIOPA and ESMA - ESAs) published a joint report, which provides a . Bank Secrecy Act (BSA)/anti-money laundering (AML) and sanctions: Going into 2023, we see three primary areas at the forefront of regulators agendas: (1) meeting their obligations under the AML Act of 2020, (2) the continued imposition and enforcement of sanctions on Russia, and (3) the increased prevalence of digital assets throughout the banking ecosystem and the management of inherent AML risks. Social login not available on Microsoft Edge browser at this time. The 2022 regulatory agenda impacting the US banking industry is crowded and varied. And there is a growing outcry from lawmakers to increase oversight, based on a belief that BNPL could encourage people to overspend. To properly manage the new slew of regulatory requirements headed our way in 2023, banks need to leverage automated technologies to simplify compliance processes. To stay logged in, change your functional cookie settings. The Presidents Working Group on Financial Markets, which includes federal bank regulators, urged Congressto develop a new framework specific to stablecoins. 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. 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. On 9 March 2022, the Central Bank (Individual Accountability Framework) Act 2023 was signed by the President (here). Regulation : 24/5/PBI/2022 Date : 1 March 2022 Title (Indonesian) : Insentif bagi Bank yang Memberikan Penyediaan Dana untuk Kegiatan Ekonomi Tertentu dan Inklusif The cookie is used to store the user consent for the cookies in the category "Performance". The need for banks to work toward remediating outstanding supervisory findings and sustaining remediation efforts will be paramount to avoid the escalation of supervisory matters. Cyber and information technology (IT) risk: Deficiency in effective cybersecurity policies and procedures to secure organization assets and data is an increasing concern of regulators. 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. Onsite examinations are returning in full swing, following a respite that occurred during the height of the pandemic. 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. Opinions expressed are those of the author. At Deloitte, our purpose is to make an impact that matters by creating trust and confidence in a more equitable society. In either case, we expect to see significant action on some of these issues throu. Given this recommendation, those regulators could weigh in more strongly on stablecoins and crypto this year. 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.) The agency seeks to make clear the rule requiring the enablement of no less than two unaffiliated payment card networks. Fitch Ratings-London-06 December 2021: There is likely to be a gradual tightening of global bank regulations in 2022, reflecting expectations of a continued return to pre-pandemic norms, Fitch Ratings says in a new report. 2 020 delivered the biggest shock to the financial services industry since the financial crash. 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. 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. Apart from that good news, banks and . The watchwords for banking regulation under Biden come down to "be prepared." . Responsibility will be placed on credit unions and card-issuing banks. First, the regulation on Artificial Intelligence (AI), at an early stage of negotiation. Volume 16 January - November 2015. 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. The Individual Accountability Special Issue: Dilemmas in Post-Crisis Bank Regulation: Supranationalization versus Retrenchment. 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. 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). Key regulatory developments in the EU. Global Banks The cookie is used to store the user consent for the cookies in the category "Other. 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. According to an October 2022 report from Thomson Reuters, roughly 62% of financial service providers expected their compliance budgets to increase in 2022. These cookies ensure basic functionalities and security features of the website, anonymously. Filters. Sort by . Fernndez de Lis also points to the need for a smooth connection with existing payment mechanisms, which requires prior and complex technical work. 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. While technology certainly offers powerful capabilities for assisting in compliance management, banks need to consider how they will not just implement but also manage and support these technologies. FDIC Chairman Jelena McWilliams rebuffed the effort, but she later opted to resign, effective in February. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. . The 2022 global bank regulatory outlook is tighter, as Fitch expects the reintroduction of macroprudential policies in some . The ability to offer services cleanly on mobile is built and ready and they are simply answering a few more questions. The order created a frenzy at the FDIC, where two directors (with support from a third) tried to seek public comment on merger supervision. Still, during a recent banking conference, supervisory officers at the FDIC and OCC said it was business as usual for them when it comes to analyzing and approving pending bank deals. Regulation : 6/POJK.07/2022 Date : 18 April 2022 Title (Indonesian) : Perlindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan This will be a very important piece of legislation to generate a more balanced competitive playing field in digital markets. For instance, the first day of January 2023 is the final deadline for Basel III implementations. Welcome To Our YouTube ChannelDownload New Free Movies Link: https://www.hdnewmovie.in/Tags:LogoEditable introSimple intros2D introProfessional introNO COPY. The CFPB recently issued apress releasediscussing the banking industrys reliance on overdraft and non-sufficient funds penalties. Learn about new regulatory initiatives, share common compliance concerns, and seek input from peers on compliance challenges. ), 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. You also have the option to opt-out of these cookies. 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. By Rachel Wooley, Global Director of Financial Crime, Fenergo. Equifax recently said it plans to add consumers BNPL information to credit reports. The 2011 Regulations were revoked by the Banking and Financial Institutions (Financial Leasing) Regulations, G.N. Monetary Policy. 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. SVB's failure on March 10 after taking on too much interest-rate risk caused shock waves throughout the banking sector, and led to the failure of New York-based Signature Bank and the merger under . This cookie is set by GDPR Cookie Consent plugin. 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. Source/Date. Certain services may not be available to attest clients under the rules and regulations of public accounting. It is also worth highlighting the flexibility with which the authorities have reacted, introducing temporary relief measures. What You Need to Know About Banking Compliance in 2023, How to Make the Most Out of Automation in Retail Banking. Stay Connected . 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. 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. 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. stronger enforcement and new regulations expected . Thanks to the growing popularity of blockchain technology, alternative payment methods, and other digital innovation, digital assets have come to stand at the forefront of finance. The Framework introduces new and enhanced protections to protect your banking rights and interests. Publication of a new Prudential and Resolution Policy Index. 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. Copyright 2022 CPQi - All Rights Reserved. One of the most prevalent risks includes the impacts of inflation and rising interest rates, which have not been experienced since the early 1980s. 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. New Financial Services Authority (OJK) Regulations 1. 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. The recent decline in bank return on average assets and return on equity was largely driven by higher loan loss provisions, as banks added to their credit loss reserves for loans and leases amid accelerated loan growth and economic uncertainty. Below, I will focus on a handful of topics banks and credit unions should closely monitor as they pursue growth strategies. 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. The finalization of Basel III, post-COVID regulation, artificial intelligence and the crypto world, or international coordination in the supervision of sustainable finance are some of the trends that will mark the regulatory agenda in 2022. See Terms of Use for more information. 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. Terminology is also likely to be standardized. The cookies is used to store the user consent for the cookies in the category "Necessary". However, international coordination in this area is key, says Fernndez de Lis. As part of the PRA and Bank's commitment to make policies more accessible, this Index brings them . Necessary cookies are absolutely essential for the website to function properly. Stay current on crypto regulatory trends in banking & capital markets, Climate risk regulatory developments in the financial services industry. We also use third-party cookies that help us analyze and understand how you use this website. There are questions about practicality and responsibility for implementing any changes. All account applications are subject to approval. These cookies track visitors across websites and collect information to provide customized ads. Covers financial regulation and policy out of the Reuters Washington bureau, with a specific focus on banking regulators. 575 of 2022 as published on 23 September 2022 (the 2022 Regulations). 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 . Financial Services Regulation - What will Keep Compliance Officers Awake at Night in 2022. 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. Debt-to-income (DTI) ratio. For example, banks can leverage AI to shorten the KYC and AML compliance requirements by conducting the . | NYSDFS. Elements of governance and controls are also emphasized by the Office of the Comptroller of the Currency (OCC) and deemed priority objectives for 2023. 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. Business continuity plans and other contingency measures were put to the test . Among many other things, this regulatory change will raise the minimum capital requirements for banks from 2% to 4.5% of common equity. 2023. 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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new banking regulations 2022