EBA欧洲银行-EBA-Guideline-2015-19-Compliance-Table-GLs-on-passport-notifications-for-credit-intermediaries-under-MCD_6页_256kb
报告摘要
EBA Guidelines Compliance Table Summary
Core Content
This document provides a compliance status table for the EBA Guidelines on passport notifications for credit intermediaries under the Mortgage Credit Directive (EBA/GL/2015/10). It lists the competent authorities in EU Member States, EEA EFTA States, and European Territories and indicates whether they comply, intend to comply, or do not comply with the guidelines.
Compliance Status Overview
EU Member States
| Member State | Competent Authority | Compliance Status | Comments |
|---|---|---|---|
| Belgium (BE) | National Bank of Belgium | Not applicable | Not competent in mortgage credit field |
| Bulgaria (BG) | Bulgarian National Bank | Yes | - |
| Czech Republic (CZ) | Czech National Bank | Intends to comply | Will comply once Directive is fully transposed |
| Denmark (DK) | Danish Financial Supervisory Authority | Yes | - |
| Estonia (EE) | Financial Supervision Authority | Yes | - |
| Greece (EL) | Bank of Greece | - | Competent authority has not submitted a notification |
| Croatia (HR) | Croatian National Bank | Intends to comply | Will comply once Directive is fully transposed |
| Spain (ES) | Bank of Spain | Intends to comply | Will comply once Directive is fully transposed |
| France (FR) | Prudential Supervisory & Resolution Authority | Yes | - |
| Italy (IT) | Bank of Italy | Intends to comply | Will comply once Directive is fully transposed |
| Cyprus (CY) | Central Bank of Cyprus | - | Competent authority has not submitted a notification |
| Latvia (LV) | Financial and Capital Market Commission | Comply | Not responsible for credit intermediaries |
| Lithuania (LT) | Bank of Lithuania | Intends to comply | - |
| Luxembourg (LU) | Commission for the Supervision of Financial Sector | - | Will comply once Directive is fully transposed |
| Hungary (HU) | Central Bank of Hungary | Yes | - |
| Poland (PL) | Polish Financial Supervision Authority | Intends to comply | Will comply once Directive is fully transposed |
| Portugal (PT) | Bank of Portugal | Intends to comply | Will comply once Directive is fully transposed |
| Romania (RO) | National Bank of Romania | - | - |
| Slovakia (SK) | National Bank of Slovakia | - | Competent authority has not submitted a notification |
| Finland (FI) | Finnish Financial Supervisory Authority | - | Competent authority has not submitted a notification |
| Sweden (SE) | Swedish Financial Supervisory Authority | Intends to comply | Will comply once Directive is fully transposed |
| United Kingdom (UK) | Prudential Regulation Authority (PRA) | Not applicable | Guidelines do not apply to PRA |
| United Kingdom (UK) | Financial Conduct Authority (FCA) | Yes | - |
EEA EFTA States
| EEA EFTA State | Competent Authority | Compliance Status | Comments |
|---|---|---|---|
| Iceland (IS) | Icelandic Financial Supervisory Authority (FME) | - | Competent authority has not submitted a notification |
| Liechtenstein (LI) | Financial Market Authority (FMA) | Intends to comply | Will comply once Directive is fully transposed |
| Norway (NO) | Norwegian Financial Supervisory Authority | Intends to comply | Will comply once Directive is fully transposed |
European Territories under Article 355(3) TFEU
| Territory | Competent Authority | Compliance Status | Comments |
|---|---|---|---|
| Gibraltar (UK) | Financial Services Commission (Gibraltar) | Intends to comply | - |
Main Points
- The EBA guidelines aim to ensure compliance with the Mortgage Credit Directive (MCD) regarding passport notifications for credit intermediaries.
- Compliance means the competent authority has implemented or is implementing the guidelines.
- Intends to comply means the authority is in the process of aligning national legislation with the guidelines.
- Not applicable indicates that the authority does not fall under the scope of the guidelines.
- Non-notification means the competent authority has not submitted a compliance status.
- The application date for the guidelines is 04 August 2016.
- Some authorities (e.g., in France, Latvia, and the UK) have not yet submitted a notification or are not responsible for mortgage credit regulation under national law.
Key Information
- Compliance is conditional on the full transposition of the MCD into national law and the designation of the competent authority.
- Transparency is emphasized, with the EBA noting that if an authority continues to intend to comply after the application date, it will be classified as non-compliant unless specific exceptions apply.
- The EBA cannot be held responsible for the accuracy of the information provided by competent authorities.
- For detailed compliance information, it is recommended to contact the relevant competent authority directly.
Notes
- The EEA EFTA States (Iceland, Liechtenstein, Norway) are not required to notify compliance with EBA guidelines, except on a voluntary basis.
- The guidelines apply to credit intermediaries, and some authorities may not be relevant due to jurisdictional differences.
- The status of compliance varies, with some authorities already complying, others intending to, and some not submitting any notification.
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