Methodological and interpretative documents

Official information

• Official Information of 5 August 2020 (pdf, 255 kB) regarding the interpretation of the terms trustworthiness and competence

Guidelines of the European Supervisory Authorities

• EBA Guidelines on loan origination and monitoring (EBA/GL/2020/06, external link). These guidelines apply from 30 June 2021 and repeal Guidelines on creditworthiness assessment (EBA/GL/2015/11, external link); Section 5 of EBA/GL/2020/06 also applies to loans and advances that already exist on 30 June 2021 if their terms and conditions have been changed after 30 June 2022, provided that the changes follow a specific credit decision approval, and if their implementation requires a new loan agreement with the borrower or an addendum to the existing agreement
• Joint Committee Guidelines on complaints-handling for the securities (ESMA) and banking (EBA) sectors (JC 2018 35, external link)
• EBA Guidelines on arrears and foreclosure (EBA/GL/2015/12, external link)

Questions and  Answers

• List of the CNB Opinions regarding special regulatory questions (available in Czech only) is published in a separate web application 
• CNB answers to frequently asked questions (FAQ, available in Czech only)
• Regarding the actually incurred costs that can be claimed from consumers in connection with early repayment of consumer credit relating to residential immovable property pursuant to Act No. 257/2016 Coll., on Consumer Credit (pdf, 154 kB) – 7 March 2019
• Regarding the assignment of claims, the assignment of contracts and the conclusion of instalment agreements under Act No. 257/2016 Coll., on Consumer Credit (pdf, 259 kB) – 8 November 2016, updated on 21 December 2016
• The term “staff” in terms of the requirements for expertise and good repute under Act 257/2016 Coll., on Consumer Credit (pdf, 413 kB) – 18 October 2018
• Questions and answers of the Commission and the EBA regarding financial market regulation (Single Rulebook Q&A) (external link) – to Regulation (EU) No 575/2013 (CRR) of the European Parliament and of the Council on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012, to Regulation (EU) 2017/2402 (SecReg) laying down a general framework for securitisation and creating a specific framework for simple, transparent and standardised securitisation, to Regulation (EU) No 648/2012 (EMIR) of the European Parliament and of the Council of 4 July 2012 on OTC derivatives, central counterparties and trade repositories, to Regulation (EU) No 909/2014 (CSDR) of the European Parliament and of the Council of 23 July 2014 on improving securities settlement in the European Union and on central securities depositories, to  Regulation (EU) 2015/847 (WTR) on information accompanying transfers of funds and to Regulation (EU) 2015/751 (IFR) of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions,  to Directive 2013/36/EU (CRD) of the European Parliament and of the Council on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, to Directive 2014/59/EU (BRRD) of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms, to Directive 2014/49/EU (DGSD) of the European Parliament and of the Council on deposit guarantee schemes, to Directive (EU) 2015/2366 (PSD2) of the European Parliament and of the Council on payments services in the internal market, to Directive 2014/17/EU (MCD) of the European Parliament and of the Council on credit agreements for consumers relating to residential immovable property, Directive  2008/48/EC (CCD) of the European Parliament and of the Council on credit agreements for consumers, Directive (EU) 2015/849 (AMLD) of the European Parliament and of the Council on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, to Directive 2014/92/EU (PAD) on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features, to Directive 2009/110/EC (EMD) on the taking up, pursuit and prudential supervision of the business of electronic money institutions, to Directive 2002/65/EC (DMD) concerning the distance marketing of consumer financial services and to binding technical standards (RTS, ITS) and EBA guidelines (GL)

Other documents

• European Commission Leaflet (external link) informing consumers about their rights when making payments in Europe
• Joint European Supervisory Authorities Consumer Warning on the Risks of Virtual Currencies (pdf, 88 kB)