+Guidelines on creditworthiness assessment (EBA/GL/2015/11)
---+Section 1 – Compliance and reporting obligations
------+Status of these guidelines
---------+1. This document contains guidelines issued pursuant to Article 16 of Regulation (EU) No 1093/2010 …
---------+2. Guidelines set the EBA view of appropriate supervisory practices within the European System of …
------+Reporting requirements
---------+3. According to Article 16(3) of Regulation (EU) No 1093/2010, competent authorities must notify …
---------+4. Notifications will be published on the EBA website, in line with Article 16(3). 2 Regulation …
---+Section 2 – Subject matter, scope and definitions
------+Subject matter and scope of application
---------+5. These guidelines provide further detail on requirements set out in Articles 18 and 20 (1) of …
------+Addressees
---------+Addressees of these Guidelines
------------+6. The guidelines are addressed to: a. competent authorities as defined in Article 4(2) of …
---------+Addressees of information requirements
------------+7. Irrespective of whether or not an EBA authority is addressed under paragraph 6(a), where a …
------+Definitions
---------+8. Unless otherwise specified, terms used and defined in Directive 2014/17/EU have the same meaning …
------+Outsourcing
---------+9. In the case where the activity of the creditor is in whole or in part outsourced to third …
---+Section 3 – Implementation
------+Date of application
---------+10. These guidelines apply from 21 March 2016, except that the information requirements referred to …
---+Section 4 – Requirements regarding creditworthiness assessment
------+Guideline 1: Verification of the consumer’s income
------+Guideline 2: Documentation and retention of information
------+Guideline 3: Identification and prevention of misrepresented information
------+Guideline 4: Assessment of the consumer’s ability to meet his/her obligations under the credit agreement
------+Guideline 5: Allowance for the consumer’s committed and other non-discretionary expenditures
------+Guideline 6: Allowance for potential future negative scenarios
 English - European Union - Financial Industry -

Guidelines on creditworthiness assessment (EBA/GL/2015/11)

Guidelines on creditworthiness assessment (EBA/GL/2015/11)

https://www.eba.europa.eu/legacy/regulation-and-policy/regulatory-activities/consumer-protection-and-financial-innovation-7 – PDF

1. Overview

,
Section 1 – Compliance and reporting obligations

Section 1 – Compliance and reporting obligations
Section 2 – Subject matter, scope and definitions

Section 2 – Subject matter, scope and definitions
Section 3 – Implementation

Section 3 – Implementation
Section 4 – Requirements regarding creditworthiness assessment

Section 4 – Requirements regarding creditworthiness assessment

1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

Requirements

3. Related Standards

Standards
  • EBA -

    EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

    DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.