Commission Delegated Regulation (EU) 2024/358 of 29 September 2023 supplementing ... (32024R0358)
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Commission Delegated Regulation (EU) 2024/358 of 29 September 2023 supplementing Regulation (EU) 2020/1503 of the European Parliament and of the Council with regard to regulatory technical standards specifying requirements on credit scoring of crowdfunding projects, pricing of crowdfunding offers, and risk management policies and procedures
- COMMISSION DELEGATED REGULATION (EU) 2024/358
- of 29 September 2023
- supplementing Regulation (EU) 2020/1503 of the European Parliament and of the Council with regard to regulatory technical standards specifying requirements on credit scoring of crowdfunding projects, pricing of crowdfunding offers, and risk management policies and procedures
- (Text with EEA relevance)
- CHAPTER I
- DESCRIPTION OF THE METHOD USED TO CALCULATE CREDIT SCORES FOR CROWDFUNDING PROJECTS AND PRICES OF CROWDFUNDING OFFERS
- Article 1
- Format of the description of the method to calculate credit scores for crowdfunding projects and prices of crowdfunding offers
- Article 2
- Elements to be included in the description of the method used to calculate credit scores for crowdfunding projects
- Article 3
- Elements to be included in the description of the method used to calculate prices of crowdfunding offers
- CHAPTER II
- CREDIT RISK ASSESSMENT AND LOAN VALUATION
- Article 4
- Approaches and information for credit risk assessment and loan valuation
- Article 5
- General requirements for credit risk assessments of crowdfunding projects or project owners
- Article 6
- Information to be considered in the credit risk assessments of crowdfunding projects or project owners
- Article 7
- Factors to be considered in assessing the financial situation of the project owner or of the crowdfunding project
- Article 8
- Information to be considered in assessing of the business model and strategy of crowdfunding projects or project owners
- Article 9
- Information on credit protection arrangements
- Article 10
- Information on funded credit protection
- Article 11
- Information on unfunded credit protection
- Article 12
- Accounting information
- Article 13
- Information to be considered for loan valuation
- CHAPTER III
- FAIR AND APPROPRIATE PRICING OF LOANS
- Article 14
- Factors to ensure fair and appropriate pricing of loans
- CHAPTER IV
- POLICIES AND PROCEDURES TO ENSURE SUFFICIENT INFORMATION FOR CLIENTS AND TO ENABLE CREDIT RISK ASSESSMENTS, LOAN VALUATION AND PRICING
- Article 15
- Governance arrangements for information for clients
- Article 16
- Policies for disclosing information to clients
- Article 17
- Establishment of a risk management framework
- Article 18
- Roles and functions established in the risk management framework
- Article 19
- Risk categories
- Article 20
- Approval of crowdfunding projects
- Article 21
- Use of automated models
- Article 22
- Policies for credit risk assessment
- Article 23
- Entry into force
- ANNEX
- Relevant financial indicators to be considered in the assessment of the financial situation referred to in Article 7(4)
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