Commission Delegated Regulation (EU) 2022/2118 of 13 July 2022 supplementing Regu... (32022R2118)
Commission Delegated Regulation (EU) 2022/2118 of 13 July 2022 supplementing Regulation (EU) 2020/1503 of the European Parliament and of the Council with regard to regulatory technical standards on individual portfolio management of loans by crowdfunding service providers, specifying the elements of the method to assess credit risk, the information on each individual portfolio to be disclosed to investors, and the policies and procedures required in relation to contingency funds (Text with EEA relevance)
- COMMISSION DELEGATED REGULATION (EU) 2022/2118
- of 13 July 2022
- supplementing Regulation (EU) 2020/1503 of the European Parliament and of the Council with regard to regulatory technical standards on individual portfolio management of loans by crowdfunding service providers, specifying the elements of the method to assess credit risk, the information on each individual portfolio to be disclosed to investors, and the policies and procedures required in relation to contingency funds
- (Text with EEA relevance)
- CHAPTER I
- Article 1
- Accuracy and reliability of information to be provided to investors
- Article 2
- Format of the information to be disclosed
- CHAPTER II
- Article 3
- Credit risk of individual crowdfunding projects
- Article 4
- Credit risk at the investor’s portfolio level
- Article 5
- Credit risk of project owners
- Article 6
- Use of models
- Article 7
- Information on stress testing and sensitivity analysis
- CHAPTER III
- Article 8
- Calculation of the weighted average annual interest rate
- Article 9
- Distribution of loans according to risk category
- Article 10
- Key information for every loan included in the portfolio
- Article 11
- Information about risk mitigation measures
- Article 12
- Information on defaults on credit agreements by the project owner
- Article 13
- Information on fees paid in respect of the loan by the investor, the crowdfunding service provider or the project owner
- Article 14
- Information on the valuation of the loan
- CHAPTER IV
- Article 15
- General requirements
- Article 16
- Organisational arrangements
- Article 17
- Governance policy
- Article 18
- Funding policy
- Article 19
- Disbursement policy
- Article 20
- Business continuity policy
- Article 21
- Transparency and disclosure to investors
- Article 22
- Entry into force
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