Addressees

The Guidelines are addressed to :

• a. competent authorities as defined in Article 4(2)(i) of Regulation (EU) No 1093/2010 (the EBA authority). With respect to creditors and credit intermediaries referred to in the definition of ‘Institutions’ in paragraph 17 which are not credit institutions, payment institutions or electronic money institutions as referred to in that definition, the Guidelines apply to the extent that those authorities have been designated as competent for ensuring the application and enforcement of the provisions of Directive 2014/17/EU to which these Guidelines relate; and
• b. financial institutions as defined in Article 4(1) of Regulation (EU) No 1093/2010.

Addressees of information requirements

Irrespective of whether an EBA authority is addressed under paragraph 15, where a Member State has designated more than one authority in accordance with Article 5 of Directive 2014/17/EU and one of them is not an EBA authority, the EBA authority designated under that article should, without prejudice to national arrangements adopted under Article 5(3) of Directive 2014/17/EU:

• a) inform without delay the other designated authority of these Guidelines and their date of application;
• b) ask that authority in writing to consider applying these Guidelines;
• c) ask that authority in writing to inform either the EBA or the EBA authority within two months of the notification under subparagraph (a) whether it applies or intends to apply these Guidelines; and
• d) where applicable, forward without delay to the EBA the information received under subparagraph (c).