+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. Forbhreathnú

,
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 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais

3. Caighdeáin ghaolmhara

Caighdeáin
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