Opinion on the Commission’s amendments to the final draft RTS on equivalent legal mechanism
Opinion on the Commission’s amendments to the final draft RTS on equivalent legal mechanism
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The EBA responds to the Commission’s proposed amendments to the draft technical standards on equivalent legal mechanism
The European Banking Authority (EBA) today published its Opinion in response to the European Commission’s amendments to the draft Regulatory Technical Standards (RTS) specifying what constitutes an equivalent legal mechanism to ensure the completion of a residential property under construction within a reasonable timeframe, as laid down in the Capital Requirements Regulation (CRR).
Final Report on Guidelines on retail diversification
EBA final guidelines on proportionate retail diversification methods under CRR Article 123(1), defining criteria for retail exposures to qualify for preferential risk weights by ensuring sufficient portfolio granularity and harmonizing EU standards.
The EBA publishes its final Guidelines on proportionate retail diversification methods under the standardised approach for credit risk
The European Banking Authority (EBA) today published its final Guidelines on proportionate retail diversification methods under the Capital Requirements Regulation (CRR). The Guidelines provide a harmonised framework to assess whether their retail portfolios are sufficiently diversified, while ensuring a proportionate application for smaller institutions.
The EBA launches consultation on simplifying the credit risk framework
The European Banking Authority (EBA) launched today a public consultation on its Discussion Paper on the simplification and assessment of the credit risk framework. The Paper sets out preliminary ideas to enhance the usability, efficiency and simplicity of the credit risk framework, aiming to stimulate a broader discussion on how to better structure the EBA’s future work in this area. Based on the comments received, the EBA will assess potential simplifications as part of its future policy work. The consultation runs until 10 May 2026.
Discussion on the simplification and assessment of the credit risk framework
Discussion paper on simplification and assessment of the credit risk framework
EBA discussion paper seeking stakeholder feedback on simplifying the credit risk framework under CRR, including proposals for the Standardised and IRB approaches, harmonisation of rules, and real estate exposure adjustments.