{"id":223,"date":"2020-12-15T14:33:57","date_gmt":"2020-12-15T13:33:57","guid":{"rendered":"https:\/\/carotenutolex.com\/?p=223"},"modified":"2021-03-23T15:26:41","modified_gmt":"2021-03-23T14:26:41","slug":"eba-on-legislative-and-non-legislative-moratoria-on-loan-repayments","status":"publish","type":"post","link":"https:\/\/carotenutolex.com\/en\/publications\/news\/eba-on-legislative-and-non-legislative-moratoria-on-loan-repayments\/","title":{"rendered":"EBA on legislative and non-legislative moratoria on loan repayments"},"content":{"rendered":"<p style=\"text-align: justify;\">While monitoring the impact of the second pandemic wave, and in light of the restrictions imposed in many EU Member States, the European Banking Authority (EBA) has reactivated until 31 March 2021 its guidelines on legislative and non-legislative moratoria adopted on 2 April 2020 (the \u201cGuidelines\u201d).<\/p>\n<p style=\"text-align: justify;\">For the purpose of ensuring that the possible enterprises\u2019 insolvency be reflected in the banks\u2019 capital, the following constraints have been also introduced:<\/p>\n<ul style=\"text-align: justify;\">\n<li>only loans suspended, postponed or reduced under general payment moratoria for no more than nine months in total (including previously granted payment holidays) will benefit from the Guidelines\u2019 application; and<\/li>\n<li>credit institutions must document to the competent national authority (for Italy, the Bank of Italy) their plans for assessing that the exposures subject to moratoria do not become \u201cunlikely to pay (UTP)\u201d. As a result, national supervisors will be able to verify the robustness of banks\u2019 UTP\u2019s assessment procedures in the on-going crisis.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Guidelines\u2019 reactivation: <a href=\"https:\/\/www.eba.europa.eu\/eba-reactivates-its-guidelines-legislative-and-non-legislative-moratoria\" target=\"_blank\" rel=\"noopener\"><em>The EBA reactivates its Guidelines on legislative and non-legislative moratoria<\/em><\/a><\/p>\n<p style=\"text-align: justify;\">#legalnews #eulaw #bankinglaw #COVID-19 #update #CarotenutoStudioLegale<\/p>\n","protected":false},"excerpt":{"rendered":"<p>While monitoring the impact of the second pandemic wave, and in light of the restrictions imposed in many EU Member States, the European Banking Authority (EBA) has reactivated until 31&hellip;<\/p>\n","protected":false},"author":2,"featured_media":150,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[24],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.1 (Yoast SEO v23.1) - 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