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Date Ref. Title Section Type Download Info Summary Related Documents Translated versions
22/12/2014 JC/GL/2014/01 BG Съвместни насоки относно сближаването на надзорните практики по отношение на съгласуваността на споразуменията за координиране на надзора върху финансовите конгломерати , Guidelines & Recommendations PDF
265.5 KB
22/12/2014 JC/GL/2014/01/BG Приложение I: Образец за процеса на съотнасяне за финансовия конгломерат (JC 2014 070 Annex) , Guidelines & Recommendations XLS
98.5 KB
25/08/2014 JC/2014/43 bg Насоки относно разглеждането на жалби за сектора на ценните книжа (ESMA) и за банковия сектор (EБО) , Guidelines & Recommendations PDF
176.25 KB
The European Securities and Markets Authority (ESMA) and the European Banking Authority (EBA) published today their Joint Committee final Report on guidelines for handling consumer complaints in the securities and banking sectors. The document aims to increase market confidence and for the benefit of consumers and firms alike it will ensure a harmonised approach to handling complaints for all 28 EU Member States and across all financial services sectors.The final report published today is part of the efforts of the European Supervisory Authorities to bring further supervisory convergence across the securities and banking sectors. It was developed on the basis of the existing complaints-handling guidelines established by EIOPA (the European Insurance and Occupational Pensions Authority) for the insurance sector. The report was launched for a public consultation last year and this final version takes into consideration the feedback received.ESMA and the EBA consider that these guidelines will ensure a consistent approach to complaints-handling across the EU. Consumers can purchase financial services and products in the investment, banking and insurance sectors across the entire EU Single Market and these guidelines will allow them to refer to a single set of complaints-handling arrangements. EU consumers will therefore be able to rely on the same approach irrespective of what type of product they have purchased and where they have purchased it.In addition to strengthening consumer protection -a key statutory objective for ESMA and for the EBA-, the guidelines will also allow firms, some of which sell products from more than one sector across the EU, to streamline and standardise their own complaints-handling arrangements. National regulators too will be able to supervise the same harmonised requirements across all sectors of financial services in their own jurisdictions.The guidelines will be translated into the official languages of the European Union (EU) and they will become applicable two months after the date of publication of their translations.
23/06/2015 2015/609 BG Насоки относно информацията, предоставяна периодично на ЕSMA от агенциите за кредитен рейтинг , Guidelines & Recommendations PDF
297.5 KB
BG  - Преводът е предоставен от Центъра за преводи за органите на Европейския съюз.
22/12/2014 JC/GL/2014/01/EL Παράρτημα I: Υπόδειγμα για τη διαδικασία χαρτογράφησης χρηματοπιστωτικού ομίλου ετερογενών δραστηριοτήτων (JC 2014 070 Παράρτημα) , Guidelines & Recommendations XLSX
69.01 KB
22/12/2014 JC/GL/2014/01 EL Κοινές κατευθυντήριες γραμμές σχετικά με τη σύγκλιση των εποπτικών πρακτικών όσον αφορά τη συνέπεια των συμφωνιών εποπτικού συντονισμού για χρηματοπιστωτικούς ομίλους ετερογενών δραστηριοτήτων , Guidelines & Recommendations PDF
235.56 KB
25/08/2014 JC/2014/43 el Κατευθυντήριες γραμμές σχετικά με τον χειρισμό παραπόνων/καταγγελιών για τον τομέα των κινητών αξιών (ESMA) και τον τραπεζικό τομέα (ΕΑΤ) , Guidelines & Recommendations PDF
167.29 KB
The European Securities and Markets Authority (ESMA) and the European Banking Authority (EBA) published today their Joint Committee final Report on guidelines for handling consumer complaints in the securities and banking sectors. The document aims to increase market confidence and for the benefit of consumers and firms alike it will ensure a harmonised approach to handling complaints for all 28 EU Member States and across all financial services sectors.The final report published today is part of the efforts of the European Supervisory Authorities to bring further supervisory convergence across the securities and banking sectors. It was developed on the basis of the existing complaints-handling guidelines established by EIOPA (the European Insurance and Occupational Pensions Authority) for the insurance sector. The report was launched for a public consultation last year and this final version takes into consideration the feedback received.ESMA and the EBA consider that these guidelines will ensure a consistent approach to complaints-handling across the EU. Consumers can purchase financial services and products in the investment, banking and insurance sectors across the entire EU Single Market and these guidelines will allow them to refer to a single set of complaints-handling arrangements. EU consumers will therefore be able to rely on the same approach irrespective of what type of product they have purchased and where they have purchased it.In addition to strengthening consumer protection -a key statutory objective for ESMA and for the EBA-, the guidelines will also allow firms, some of which sell products from more than one sector across the EU, to streamline and standardise their own complaints-handling arrangements. National regulators too will be able to supervise the same harmonised requirements across all sectors of financial services in their own jurisdictions.The guidelines will be translated into the official languages of the European Union (EU) and they will become applicable two months after the date of publication of their translations.
23/06/2015 2015/609 EL Κατευθυντήριες γραμμές σχετικά με την περιοδική πληροφόρηση που παρέχεται στην ESMA από τους οργανισμούς αξιολόγησης πιστοληπτικής ικανότητας , Guidelines & Recommendations PDF
338.39 KB
EL - Η παρούσα μετάφραση έγινε από το Μεταφραστικό Κέντρο των Οργάνων της Ευρωπαϊκής Ένωσης.
22/12/2014 JC/GL/2014/01 ET Ühisedsuunised järelevalvealase tegevuse lähendamise kohta seoses finantskonglomeraatide järelevalve koordineerimise korra sidususega , Guidelines & Recommendations PDF
170.75 KB
22/12/2014 JC/GL/2014/01/PL Załącznik I: Szablon dla procesu mapowania dla konglomeratu finansowego (załącznik JC 2014 070) , Guidelines & Recommendations XLSX
81.46 KB
22/12/2014 JC/GL/2014/01 HR Zajedničke smjernice o konvergenciji nadzornih praksi koje se odnose na dosljednost sporazuma o nadzornoj suradnji za financijske konglomerate , Guidelines & Recommendations PDF
222.2 KB
22/12/2014 JC/GL/2014/01 FI Yhteiset ohjeet rahoitus- ja vakuutusryhmittymien valvonnan koordinointijärjestelyjen yhdenmukaistamiseen liittyvästä valvontakäytäntöjen lähentämisestä , Guidelines & Recommendations PDF
162.25 KB
25/08/2014 JC/2014/43 pl Wytyczne dotyczące obsługi reklamacji dla sektora papierów wartościowych (ESMA) i sektora bankowości (EUNB) , Guidelines & Recommendations PDF
210.55 KB
The European Securities and Markets Authority (ESMA) and the European Banking Authority (EBA) published today their Joint Committee final Report on guidelines for handling consumer complaints in the securities and banking sectors. The document aims to increase market confidence and for the benefit of consumers and firms alike it will ensure a harmonised approach to handling complaints for all 28 EU Member States and across all financial services sectors.The final report published today is part of the efforts of the European Supervisory Authorities to bring further supervisory convergence across the securities and banking sectors. It was developed on the basis of the existing complaints-handling guidelines established by EIOPA (the European Insurance and Occupational Pensions Authority) for the insurance sector. The report was launched for a public consultation last year and this final version takes into consideration the feedback received.ESMA and the EBA consider that these guidelines will ensure a consistent approach to complaints-handling across the EU. Consumers can purchase financial services and products in the investment, banking and insurance sectors across the entire EU Single Market and these guidelines will allow them to refer to a single set of complaints-handling arrangements. EU consumers will therefore be able to rely on the same approach irrespective of what type of product they have purchased and where they have purchased it.In addition to strengthening consumer protection -a key statutory objective for ESMA and for the EBA-, the guidelines will also allow firms, some of which sell products from more than one sector across the EU, to streamline and standardise their own complaints-handling arrangements. National regulators too will be able to supervise the same harmonised requirements across all sectors of financial services in their own jurisdictions.The guidelines will be translated into the official languages of the European Union (EU) and they will become applicable two months after the date of publication of their translations.
22/12/2014 JC/GL/2014/01 PL Wspólne wytyczne w zakresie konwergencji praktyk nadzorczych dotyczących spójności ustaleń koordynacyjnych w zakresie nadzoru nad konglomeratami finansowymi , Guidelines & Recommendations PDF
301.46 KB
25/08/2014 JC/2014/43 sk Usmernenia k vybavovaniu sťažností pre sektor cenných papierov (ESMA) a bankový sektor (EBA) , Guidelines & Recommendations PDF
170.11 KB
The European Securities and Markets Authority (ESMA) and the European Banking Authority (EBA) published today their Joint Committee final Report on guidelines for handling consumer complaints in the securities and banking sectors. The document aims to increase market confidence and for the benefit of consumers and firms alike it will ensure a harmonised approach to handling complaints for all 28 EU Member States and across all financial services sectors.The final report published today is part of the efforts of the European Supervisory Authorities to bring further supervisory convergence across the securities and banking sectors. It was developed on the basis of the existing complaints-handling guidelines established by EIOPA (the European Insurance and Occupational Pensions Authority) for the insurance sector. The report was launched for a public consultation last year and this final version takes into consideration the feedback received.ESMA and the EBA consider that these guidelines will ensure a consistent approach to complaints-handling across the EU. Consumers can purchase financial services and products in the investment, banking and insurance sectors across the entire EU Single Market and these guidelines will allow them to refer to a single set of complaints-handling arrangements. EU consumers will therefore be able to rely on the same approach irrespective of what type of product they have purchased and where they have purchased it.In addition to strengthening consumer protection -a key statutory objective for ESMA and for the EBA-, the guidelines will also allow firms, some of which sell products from more than one sector across the EU, to streamline and standardise their own complaints-handling arrangements. National regulators too will be able to supervise the same harmonised requirements across all sectors of financial services in their own jurisdictions.The guidelines will be translated into the official languages of the European Union (EU) and they will become applicable two months after the date of publication of their translations.
17/11/2017 ESMA33-9-207 Technical Advice on CRA Regulatory Equivalence- CRA 3 Update Final Report PDF
1.51 MB
25/08/2014 JC/2014/43 lv Sūdzību izskatīšanas pamatnostādnes vērtspapīru (ESMA) un banku (EBI) nozarēs , Guidelines & Recommendations PDF
157.66 KB
The European Securities and Markets Authority (ESMA) and the European Banking Authority (EBA) published today their Joint Committee final Report on guidelines for handling consumer complaints in the securities and banking sectors. The document aims to increase market confidence and for the benefit of consumers and firms alike it will ensure a harmonised approach to handling complaints for all 28 EU Member States and across all financial services sectors.The final report published today is part of the efforts of the European Supervisory Authorities to bring further supervisory convergence across the securities and banking sectors. It was developed on the basis of the existing complaints-handling guidelines established by EIOPA (the European Insurance and Occupational Pensions Authority) for the insurance sector. The report was launched for a public consultation last year and this final version takes into consideration the feedback received.ESMA and the EBA consider that these guidelines will ensure a consistent approach to complaints-handling across the EU. Consumers can purchase financial services and products in the investment, banking and insurance sectors across the entire EU Single Market and these guidelines will allow them to refer to a single set of complaints-handling arrangements. EU consumers will therefore be able to rely on the same approach irrespective of what type of product they have purchased and where they have purchased it.In addition to strengthening consumer protection -a key statutory objective for ESMA and for the EBA-, the guidelines will also allow firms, some of which sell products from more than one sector across the EU, to streamline and standardise their own complaints-handling arrangements. National regulators too will be able to supervise the same harmonised requirements across all sectors of financial services in their own jurisdictions.The guidelines will be translated into the official languages of the European Union (EU) and they will become applicable two months after the date of publication of their translations.
22/12/2014 JC/GL/2014/01 SK Spoločné usmernenia ku konvergencii postupov dohľadu v súvislosti s konzistentnosťou mechanizmov koordinácie dohľadu pre finančné konglomeráty , Guidelines & Recommendations PDF
254.01 KB
22/12/2014 JC/GL/2014/01 CS Společné obecné pokyny ke sbližování postupů dohledu s ohledem na konzistentnost koordinačních dohod o dohledu nad finančními konglomeráty , Guidelines & Recommendations PDF
254.95 KB
02/12/2013 2013/1775 Sovereign ratings investigation- ESMA’s assessment of governance, conflicts of interest, resourcing adequacy and confidentiality controls Final Report PDF
302.99 KB
This report summarises the findings of the European Securities and Markets Authority’s (ESMA) general investigation into sovereign credit ratings issued by Fitch Ratings, Moody’s Investors Service and Standard & Poor’s which took place between February and October 2013, as indicated in its Credit Rating Agencies (CRAs) 2013 Supervision and Policy Work Plan. In this report ESMA describes the observed deficiencies and main concerns while also identifying a number of good practices in the following areas: • the role of senior management and other non-rating functions in the rating process and the actual or potential conflicts of interest which could arise; • the actual or potential conflicts of interests generated by the involvement of sovereign analysts in research and publication activities; • confidentiality of sovereign rating information and controls in place prior to publication of ratings (including IT and access controls to confidential information); • timing of publication of sovereign ratings, including timely disclosure of rating changes; • monitoring of the adequacy and expertise of resources dedicated to sovereign ratings; • preparation of rating committees; and • definitions of roles and responsibilities among different analytical functions. ESMA’s investigation revealed shortcomings in the sovereign ratings process which could pose risks to the quality, independence and integrity of the ratings and of the rating process. As of the date of this document, ESMA has not determined whether any of the observations made in this report constitute serious indications of the possible existence of facts liable to constitute one or more infringements of the CRA Regulation.

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