Addressees

These guidelines are addressed to competent authorities as defined in Article 4(2) (iii) of Regulation (EU) No 1093/2010. They are also addressed to credit or financial institutions as defined in Article 3(1) and 3(2) of Directive (EU) 2015/849, which are financial sector operators referred to in Article 4(1a) of Regulation (EU) No 1093/2010.