Are all CSPs that facilitate granting loans required to have a risk management framework? Shall such a framework be based on risk categories for the loans offered by the CSP?

Article 20 of the ECSPR requires CSPs who facilitate the granting of loans to annually disclose the information on the default rate of the crowdfunding projects over at least the preceding 36 months as well as the outcome statement on the expected and actual default rates along with the actual return achieved (for individual portfolio management of loans) of each financial year.

Should the reference period for the default rate disclosure include crowdfunding projects which started in the preceding 36 months, but which were offered on a crowdfunding platform of a CSP that, at the time of such offers, was providing crowdfunding services in accordance with the applicable national law before the expiration date of the transitional period established in Article 48 of the ECSPR?

Where one authority attends a resolution college in multiple roles pursuant to Article 4(2) of CCP RRR, would it have the corresponding number of votes?

How should votes be distributed in the case of two or more authorities in a particular Member State sharing one of the roles specified in Article 4(2) of CCP RRR?

Should the banking national resolution authorities (BNRA) participate in the resolution college where the SRB also qualifies as resolution authority of the clearing members of the same Member State?