On 17 June 2020, the European Banking Authority (EBA) announced that it had expanded the scope of its Questions and Answers (Q&A) process and tool to enable the submission of questions on both anti-money-laundering and consumer protection legislation under the EBA’s scope. Going forward, submitted questions, subject to meeting the prescribed criteria, will be published on the EBA’s website while their answers are being prepared. The EBA has also made some changes to expand and update its online Interactive Single Rulebook.

The EU legal acts now covered by the Single Rulebook Q&A are:

• Directive 2013/36/EU on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, as amended by Directive (EU) 2019/878 (the Capital Requirements Directive or CRD5).
• Regulation (EU) No 575/2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 as amended by Regulation (EU) 2019/876 (the Capital Requirements Regulation or CRR2).
• Directive 2014/59/EU establishing a framework for the recovery and resolution of credit institutions and investment firms and amending Directive 82/891/EEC, and Directives 2001/24/EC, 2002/47/EC, 2004/25/EC, 2005/56/EC, 2007/36/EC, 2011/35/EU, 2012/30/EU and 2013/36/EU, and Regulations (EU) No 1093/2010 and (EU) No 648/2012, as amended by Directive (EU) 2019/879 (Bank Recovery and Resolution Directive or BRRD2).
• Directive 2014/49/EU on deposit guarantee schemes.
• Directive (EU) 2015/2366 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Payment Services Directive 2 or PSD2).
• Directive 2014/17/EU on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010 (Mortgage Credit Directive).
• Regulation (EU) 2017/2402 down a general framework for securitisation and creating a specific framework for simple, transparent and standardised securitisation, and amending Directives 2009/65/EC, 2009/138/EC and 2011/61/EU and Regulations (EC) No 1060/2009 and (EU) No 648/2012 (Simple, transparent and standardised Securitisation Regulation).
• Directive 2008/48/EC on credit agreements for consumers and repealing Directive 87/102/EEC (Consumer Credit Directive).
• Directive 2009/110/EC on the taking up, pursuit and prudential supervision of the business of electronic money institutions amending Directives 2005/60/EC and 2006/48/EC and repealing Directive 2000/46/EC (E-money Directive).
• Directive 2014/92/EU on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features (Payment Account Directive).
• Directive (EU) 2015/849 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Regulation (EU) No 648/2012, and repealing Directive 2005/60/EC and Directive 2006/70/EC (Fourth Anti-Money Laundering Directive).
• Regulation (EU) 2015/847 on information accompanying transfers of funds and repealing Regulation (EC) No 1781/2006 (Wire Transfer Regulation).
• Regulation (EU) 2015/751 of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions (Interchange Fee Regulation).
• Directive 2002/65/EC (concerning the distance marketing of consumer financial services and amending Directive 90/619/EEC and Directives 97/7/EC and 98/27/EC (Distance Market Directive) – relevant parts only.