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21 October 2019 Supervision Supervision label Factsheet

The European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA) and the European Securities and Markets Authority (ESMA) regularly publish Q&As with interpretations of European laws and regulations.

These Q&As are not legally binding. EBA, EIOPA and ESMA all write on their website: “The Q&As have no binding force in law (see for instance)”1. However, DNB endorses the objective of the Q&As of the three ESAs, namely to achieve as much as possible a level playing field in the European Union with regard to the application of European laws and regulations. We will therefore include these Q&As in our supervision, with their concrete application depending on all relevant facts and circumstances.

1 See for example: https://eba.europa.eu/single-rule-book-qa