#723048
MAOIRSEACHT STUAMACHTA
PRUDENTIAL SUPERVISION
MAOIRSEACHT STUAMACHTA
PRUDENTIAL SUPERVISION
Maoirseacht stuamachta
Prudential supervision
a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa
relating to the prudential supervision of credit institutions
maoirseacht stuamachta ar institiúidí airgeadais
the prudential supervision of financial institutions
maoirseacht stuamachta ar instítiúidí airgeadais
the prudential supervision of financial institutions
Go háirithe, tá maoirseacht stuamachta IORPanna atá údaraithe chun gníomhaíochtaí pinsin cheirde agus phearsanta a dhéanamh níos leithne ná maoirseacht stuamachta na IORPanna sin nach ndéanann ach gníomhaíochtaí pinsin cheirde.
In particular, prudential supervision of IORPs which are authorised to provide occupational and personal pension activities is broader than of those IORPs which only carry out occupational pension activities.
Maoirseacht stuamachta
IV Prudential supervision
Maoirseacht stuamachta
Prudential supervision
D’fhonn go bhfeidhmeodh córas airgeadais an Aontais agus na córais airgeadais dhomhanda mar is cuí agus d’fhonn go maolófaí na bagairtí ar na córais sin, is gá comhsheasmhacht fheabhsaithe idir maoirseacht stuamachta ar an macraileibhéal agus maoirseacht stuamachta ar an micrileibhéal.
A proper functioning of Union and global financial systems and the mitigation of threats thereto require enhanced consistency between macro- and micro-prudential supervision.
Sna Ballstáit ina bhfuil CPL bunaithe, ba cheart socruithe struchtúracha leordhóthanacha a chur i bhfeidhm chun feidhmeanna réitigh an CPL a scaradh ó fheidhmeanna eile, go háirithe i gcás ina ndéanfar an t-údarás atá freagrach as maoirseacht stuamachta a dhéanamh ar an CPL, nó as maoirseacht stuamachta a dhéanamh ar institiúidí creidmheasa nó gnólachtaí infheistíochta is comhaltaí imréitigh den CPL, a ainmniú mar an t-údarás réitigh, ionas go seachnófar aon choinbhleachtaí leasa agus aon bhaol ó thaobh boige rialála.
In Member States where a CCP is established, adequate structural arrangements should be put in place to separate the CCP resolution functions from other functions, in particular where the authority responsible for the prudential supervision of the CCP, or prudential supervision of credit institutions or investment firms that are clearing members of the CCP, is designated as the resolution authority, to avoid any conflicts of interest and risk of regulatory forbearance.
Agus a chúraimí faoin Rialachán seo á gcomhlíonadh aige, ba cheart an deis a bheith ag an gCoimisiún freisin dul i gcomhairle le BCE, agus comhairle a lorg uaidh, i gcomhréir le ról BCE de bhun Airteagal 127(5) CFAE chun rannchuidiú le seoladh rianúil beartas a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus le cobhsaíocht an chórais airgeadais agus de bhun Airteagal 25.1 den Phrótacal chun comhairle a thabhairt don Choimisiún agus dul i gcomhairle leis, inter alia, maidir le raon feidhme agus cur chun feidhme reachtaíocht an Aontais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus le cobhsaíocht an chórais airgeadais.
In carrying out its tasks under this Regulation, the Commission should also have the possibility of consulting the ECB, and to seek its advice, in accordance with the ECB’s role pursuant to Article 127(5) TFEU in order to contribute to the smooth conduct of policies relating to the prudential supervision of credit institutions and to the stability of the financial system and pursuant to Article 25.1 of the Protocol to offer advice to and be consulted by, inter alia, the Commission on the scope and implementation of Union legislation relating to the prudential supervision of credit institutions and to the stability of the financial system.
Ina theannta sin, leis an Rialachán sin ceanglaítear ar an gCoimisiún tuarascáil a ullmhú, faoin dáta céanna, maidir le córas iomchuí chun maoirseacht stuamachta a dhéanamh ar ghnólachtaí infheistíochta trí chéile.
Furthermore, that Regulation requires the Commission to prepare, by the same date, a report on an appropriate regime for the prudential supervision of investment firms in general.
Rannchuideoidh CEBC le seoladh rianúil beartas arna saothrú ag na húdaráis inniúla a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus le cobhsaíocht an chórais airgeadais.
The ESCB shall contribute to the smooth conduct of policies pursued by the competent authorities relating to the prudential supervision of credit institutions and the stability of the financial system.
féadfaidh an Chomhairle...cúraimí sonracha a chur ar BCE i leith beartas a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa
the Council may...confer upon the ECB specific tasks concerning policies relating to the prudential supervision of credit institutions
An gcaoi chéanna, tá faisnéis AML/CFT tábhachtach freisin chun maoirseacht stuamachta a dhéanamh ar na hinstitiúidí sin.
Similarly, AML/CFT information is also important for the prudential supervision of such institutions.
ceanglais a chomhlíonadh i ndáil leis an maoirseacht stuamachta nó maoirseacht ar iompar sa mhargadh, a leagtar síos in:
has not complied with requirements in relation to the prudential supervision or market conduct supervision, laid down in:
(13) Luaitear i dTuarascáil de Larosière freisin nach bhfuil aon chiall le formhaoirseacht stuamachta ar an macraileibhéal mura rud é go mbeidh tionchar ar bhealach éigin aici ar mhaoirseacht ar an micrileibhéal agus nach féidir le maoirseacht stuamachta ar an micrileibhéal coimirciú éifeachtach a thabhairt don chobhsaíocht airgeadais gan aird dhóthanach a thabhairt ar na forbairtí ar an macraileibhéal.
(13) The de Larosière Report also states that macro-prudential oversight is not meaningful unless it can somehow impact on supervision at the micro level whilst micro-prudential supervision cannot effectively safeguard financial stability without adequately taking account of macro-level developments.
(b) an bhfuil sé iomchuí maoirseacht stuamachta a dhéanamh agus seoladh gnó a mhaoirsiú mar ghníomhaíochtaí ar leithligh óna chéile, nó an bhfuil sé iomchuí go ndéanfadh an maoirseoir céanna na gníomhaíochtaí sin;
(b) it is appropriate to undertake prudential supervision and supervise the conduct of business separately or by the same supervisor;
(b) an bhfuil sé iomchuí maoirseacht stuamachta a dhéanamh agus seoladh gnó a mhaoirsiú mar ghníomhaíochtaí ar leithligh óna chéile, nó an bhfuil sé iomchuí go ndéanfadh an maoirseoir céanna na gníomhaíochtaí sin;
(b) it is appropriate to undertake prudential supervision and supervise the conduct of business separately or by the same supervisor;
Treoir 2006/49/CE ó Pharlaimint na hEorpa agus ón gComhairle an 14 Meitheamh 2006 maidir le leordhóthanacht caipitil gnólachtaí infheistíochta agus institiúidí creidmheasa [25], gan dochar d’inniúlacht an Údaráis Baincéireachta Eorpaigh (an tÚdarás Baincéireachta Eorpach) i dtaca le maoirseacht stuamachta, Treoir 2009/65/CE ó Pharlaimint na hEorpa agus ón gComhairle an 13 Iúil 2009 maidir le comhordú dlíthe, rialachán, agus forálacha riaracháin a bhaineann le gnóthais le haghaidh comhinfheistíochta in urrúis inaistrithe (GCUI) [26], aon reachtaíocht sa todhchaí i réimse Bainisteoirí Cistí Infheistíochta Malartacha agus Rialachán (CE) Uimh. 1060/2009.
Directive 2006/49/EC of the European Parliament and the Council of 14 June 2006 on the capital adequacy of investment firms and credit institutions [25], without prejudice to the competence of the European Supervisory Authority (European Banking Authority), as far as prudential supervision is concerned, Directive 2009/65/EC of the European Parliament and of the Council of 13 July 2009 on the coordination of laws, regulations and administrative provisions relating to undertakings for collective investment in transferable securities (UCITS) [26], any future legislation in the area of Alternative Investment Fund Managers (AIFM) and Regulation (EC) No 1060/2009.
(b) an bhfuil sé iomchuí maoirseacht stuamachta a dhéanamh agus seoladh gnó a mhaoirsiú mar ghníomhaíochtaí ar leithligh óna chéile, nó an bhfuil sé iomchuí go ndéanfadh an maoirseoir céanna na gníomhaíochtaí sin;
(b) it is appropriate to undertake prudential supervision and supervise the conduct of business separately or by the same supervisor;
Féadfaidh an Chomhairle, ag gníomhú di trí bhíthin rialachán i gcomhréir le nós imeachta reachtach speisialta, d'aon toil agus tar éis dul i gcomhairle le Parlaimint na hEorpa agus leis an mBanc Ceannais Eorpach, cúraimí sonracha a chur ar an mBanc Ceannais Eorpach i dtaca le beartais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus institiúidí airgeadais eile seachas gnóthais árachais.’»
The Council, acting by means of regulations in accordance with a special legislative procedure, may unanimously, and after consulting the European Parliament and the European Central Bank, confer specific tasks upon the European Central Bank concerning policies relating to the prudential supervision of credit institutions and other financial institutions with the exception of insurance undertakings.’.»
idirbhearta íocaíochta lena n-aistrítear airgead leictreonach a shainmhínítear i bpointe (2) d’Airteagal 2 de Threoir 2009/110/CE ó Pharlaimint na hEorpa agus ón gComhairle an 16 Meán Fómhair 2009 maidir le dul i mbun an ghnó a ghabhann le hinstitiúidí airgid leictreonaigh agus leanúint den ghnó sin agus maoirseacht stuamachta a dhéanamh air [11], ach amháin más aistriú creidmheasa nó dochar díreach chuig cuntas íocaíochta arna shainaithint le BBAN nó IBAN nó ó chuntas den sórt sin a bheidh mar thoradh air.
payment transactions transferring electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions [11], unless such transactions result in a credit transfer or direct debit to and from a payment account identified by BBAN or IBAN.
I dtuarascáil de Larosière, luadh nach féidir le maoirseacht stuamachta ar an micrileibhéal coimirciú éifeachtach a thabhairt don chobhsaíocht airgeadais gan aird dhóthanach a thabhairt ar na forbairtí ar an macraileibhéal, agus ag an am céanna níl aon chiall le formhaoirseacht stuamachta ar an macraileibhéal mura rud é go mbeidh tionchar ar bhealach éigin aici ar mhaoirseacht ar an micrileibhéal.
The de Larosière report stated that microprudential supervision cannot effectively safeguard financial stability without adequately taking account of developments at macro level, while macroprudential oversight is not meaningful unless it can somehow impact on supervision at the micro level.
I gcás ina dtarscaoileann na húdaráis inniúla atá freagrach as an maoirseacht stuamachta a dhéanamh ar an ngnólacht infheistíochta an oibleagáid maoirseacht a dhéanamh ar bhonn comhdhlúite dá bhforáiltear in Airteagal 15, déanfaidh siad bearta iomchuí eile chun faireachán a dhéanamh ar na priacail, go háirithe risíochtaí leathana, a bhaineann leis an ngrúpa ina iomláine, lena n-áirítear aon ghnóthas nach bhfuil lonnaithe i mBallstát.
Where the competent authorities responsible for the prudential supervision of the investment firm waive the obligation of supervision on a consolidated basis as provided for in Article 15, they shall take other appropriate measures to monitor the risks, notably large exposures, of the whole group, including any undertakings not located in a Member State.
I gcás ina dtarscaoileann na húdaráis inniúla atá freagrach as an maoirseacht stuamachta a dhéanamh ar an ngnólacht infheistíochta cur i bhfeidhm ceanglas cistí dílse ar bhonn comhdhlúite de réir mar a fhoráiltear in Airteagal 15, beidh feidhm ag ceanglais Chuid a hOcht ar bhonn aonair.
Where the competent authorities responsible for the prudential supervision of the investment firm waive the application of own funds requirements on a consolidated basis as provided for in Article 15, the requirements of Part Eight shall apply on an individual basis.
Chun foráil a dhéanamh maidir le sásra aonair maoirseachta, cuireann Rialachán (AE) Uimh. 1024/2013 ón gComhairle [4] cúraimí sonracha ar BCE maidir le beartais a bhaineann le maoirseacht stuamachta a dhéanamh ar institiúidí creidmheasa sna Ballstáit a bhfuil an euro mar airgeadra acu agus ceadaíonn sé do Bhallstáit eile dlúthchomhar le BCE a bhunú.
In order to provide for a single supervisory mechanism, Council Regulation (EU) No 1024/2013 [4] confers specific tasks on the ECB concerning policies relating to the prudential supervision of credit institutions in Member States whose currency is the euro and allows other Member States to establish close cooperation with the ECB.
Treoir 2013/36/EU ó Pharlaimint na hEorpa agus ón gComhairle an 26 Meitheamh 2013 maidir le rochtain ar ghníomhaíocht na n-institiúidí creidmheasa agus le maoirseacht stuamachta ar institiúidí creidmheasa agus ar ghnólachtaí infheistíochta, lena leasaítear Treoir 2002/87/CE agus lena n-aisghairtear Treoir 2006/48/CE agus Treoir 2006/49/CE (IO L 176, 27.6.2013, lch. 338).
Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p. 1).
Chun cur i bhfeidhm comhsheasmhach caighdeán maoirseachta a áirithiú, is inmhianaithe go ndéanfaidh BCE maoirseacht dhíreach ar sheirbhísí baincéireachta TLUanna atá de mhéid agus de nádúr gur féidir leo bheith mar riosca sonrach do chobhsaíocht airgeadais an Aontais faoi na coinníollacha dá bhforáiltear i Rialachán (AE) Uimh.1024/2013 ón gComhairle(17)a bhaineann le beartais maidir le maoirseacht stuamachta ar institiúidí creidmheasa.
In order to ensure consistent application of supervisory standards, it is desirable that the banking services of CSDs which are of a scale and nature to pose a significant risk to the financial stability of the Union are directly supervised by the ECB under the conditions provided for in Council Regulation (EU) No1024/2013(17)concerning policies relating to the prudential supervision of credit institutions.
I gcás ina leagtar forálacha codarsnacha síos sa Rialachán seo, i Rialachán (AE) Uimh.575/2013 agus i dTreoir 2013/36/AE, comhlíonfaidh an TLU dá dtagraítear i bpointe (a) den chéad fomhír den pointe seo na ceanglais níos déine maidir le maoirseacht stuamachta.
In the case of conflicting provisions laid down in this Regulation, in Regulation (EU) No575/2013 and in Directive 2013/36/EU, the CSD referred to in point (a) of the first subparagraph shall comply with the stricter requirements on prudential supervision.
Rialachán (AE) Uimh.1024/2013 ón gComhairle an 15 Deireadh Fómhair 2013 lena dtugtar cúraimí sonracha don Bhanc Ceannas Eorpach maidir le beartais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa (IO L 287, 29.10.2013, lch. 63)
Council Regulation (EU) No1024/2013 of 15 October 2013 conferring specific tasks on the European Central Bank concerning policies relating to the prudential supervision of credit institutions (OJ L 287, 29.10.2013, p. 63).
Treoir 2013/36/AE ó Pharlaimint ha hEorpa agus ón gComhairle an 26 Meitheamh 2013 maidir le rochtain ar ghníomhaíocht institiúidí creidmheasa agus maoirseacht stuamachta ar institiúidí creidmheasa agus ar ghnólachtaí infheistíochta, lena leasaítear Treoir 2002/87/CE agus lena n-aisghairtear Treoir 2006/48/CE agus Treoir 2006/49/CE (IO L 176, 27.6.2013, lch. 338).
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
Na cumhachtaí arna dtabhairt d’údaráis inniúla smachtbhannaí a fhorchur, ba cheart dóibh a bheith gan dochar d’inniúlacht eisiach BCE, de bhun Airteagal 4(1)(a) de Rialachán (AE) Uimh. 1024/2013 maidir le húdaruithe institiúidí creidmheasa a tharraingt siar ar mhaithe le maoirseacht stuamachta.
The powers to impose sanctions conferred on competent authorities should be without prejudice to the exclusive competence of the ECB, pursuant to Article 4(1)(a) of Regulation (EU) No 1024/2013, to withdraw authorisations of credit institutions for prudential supervisory purposes.
Rialachán (AE) Uimh. 1024/2013 an 15 Deireadh Fómhair 2013 ón gComhairle lena dtugtar cúraimí sonracha don Bhanc Ceannais Eorpach maidir le beartais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa (IO L 287, 29.10.2013, lch. 63).
Council Regulation (EU) No 1024/2013 of 15 October 2013 conferring specific tasks on the European Central Bank concerning policies relating to the prudential supervision of credit institutions (OJ L 287, 29.10.2013, p. 63).
Treoir 2013/36/AE ó Pharlaimint ha hEorpa agus ón gComhairle an 26 Meitheamh 2013 maidir le rochtain ar ghníomhaíocht institiúidí creidmheasa agus maoirseacht stuamachta ar institiúidí creidmheasa agus ar ghnólachtaí infheistíochta, lena leasaítear Treoir 2002/87/CE agus lena n-aisghairtear Treoir 2006/48/CE agus Treoir 2006/49/CE (IO L 176, 27.6.2013, lch. 338).
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
Le Rialachán (AE) Uimh. 575/2013, ceanglaítear ar an gCoimisiún freisin tuarascáil a ullmhú, faoin 31 Nollaig 2015, maidir le córas iomchuí chun maoirseacht stuamachta a dhéanamh ar dhéileálaithe tráchtearraí.
Regulation (EU) No 575/2013 also requires the Commission to prepare, by 31 December 2015, a report on an appropriate regime for the prudential supervision of commodity dealers.
gach beart fíor-riachtanach a ghlacadh chun sáruithe ar an dlí náisiúnta agus ar rialacháin náisiúnta a chosc, go háirithe i réimse an chánachais agus maoirseacht stuamachta ar institiúidí airgeadais, nó nósanna imeachta a leagan síos maidir le dearbhuithe um ghluaiseachtaí caipitil chun críoch faisnéise riarthaí nó staidrimh, nó bearta a ghlacadh a dhlitear ar fhorais an bheartais phoiblí nó na slándála poiblí.
to take all requisite measures to prevent infringements of national law and regulations, in particular in the field of taxation and the prudential supervision of financial institutions, or to lay down procedures for the declaration of capital movements for purposes of administrative or statistical information, or to take measures which are justified on grounds of public policy or public security.
Féadfaidh an Chomhairle, ag gníomhú di trí bhíthin rialachán i gcomhréir le nós imeachta reachtach speisialta, d'aon toil agus tar éis dul i gcomhairle le Parlaimint na hEorpa agus leis an mBanc Ceannais Eorpach, cúraimí sonracha a chur ar an mBanc Ceannais Eorpach i dtaca le beartais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus institiúidí airgeadais eile seachas gnóthais árachais.
The Council, acting by means of regulations in accordance with a special legislative procedure, may unanimously, and after consulting the European Parliament and the European Central Bank, confer specific tasks upon the European Central Bank concerning policies relating to the prudential supervision of credit institutions and other financial institutions with the exception of insurance undertakings.
I gcomhréir le hAirteagal 127(5) den Chonradh sin, rannchuideoidh CEBC le seoladh rianúil beartas arna saothrú ag na húdaráis inniúla a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus le cobhsaíocht an chórais airgeadais.
In accordance with Article 127(5) of the Treaty on the Functioning of the European Union, the ESCB shall contribute to the smooth conduct of policies pursued by the competent authorities relating to the prudential supervision of credit institutions and the stability of the financial system.
Féadfaidh BCE comhairle a thabhairt don Chomhairle, don Choimisiún agus d'údaráis inniúla na mBallstát agus féadfaidh siad dul i gcomhairle leis maidir le raon feidhme agus le cur chun feidhme reachtaíocht Aontais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus le cobhsaíocht an chórais airgeadais.
The ECB may offer advice to and be consulted by the Council, the Commission and the competent authorities of the Member States on the scope and implementation of Union legislation relating to the prudential supervision of credit institutions and to the stability of the financial system.
I gcomhréir le haon rialachán ón gComhairle faoi Airteagal 127(6) den Chonradh ar Fheidhmiú an Aontais Eorpaigh, féadfaidh BCE cúraimí sonracha a chomhlíonadh i leith beartais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus institiúidí airgeadais eile seachas gnóthais árachais.
In accordance with any regulation of the Council under Article 127(6) of the Treaty on the Functioning of the European Union, the ECB may perform specific tasks concerning policies relating to the prudential supervision of credit institutions and other financial institutions with the exception of insurance undertakings.
idirbhearta arna ndéanamh ag institiúidí creidmheasa bunaithe ar bearta a dhíríonn ar a gcobhsaíocht a choimirciú, arna nglacadh ag an údarás inniúil atá i gceannas ar an maoirseacht stuamachta de réir bhrí dhlí an Aontais;
transactions entered into by credit institutions on the basis of measures, aiming at safeguarding their stability, adopted by the competent authority in charge of the prudential supervision within the meaning of Union law;
Féadfaidh BCE comhairle a thabhairt don Chomhairle, don Choimisiún agus d'údaráis inniúla na mBallstát agus féadfaidh siad dul i gcomhairle leis maidir le raon feidhme agus le cur chun feidhme reachtaíocht Chomhphobail a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa agus le cobhsaíocht an chórais airgeadais.
The ECB may offer advise to and be consulted by the Council, the Commission and the competent authorities of the Member States on the scope and implementation of Community legislation relating to the prudential supervision of credit institutions and to the stability of the financial system.
Treoir 2013/36/AE ó Pharlaimint na hEorpa agus ón gComhairle an 26 Meitheamh 2013 maidir le rochtain ar ghníomhaíocht institiúidí creidmheasa agus maidir le maoirseacht stuamachta ar institiúidí creidmheasa agus ar ghnólachtaí infheistíochta, lena leasaítear Treoir 2002/87/CE agus lena n-aisghairtear Treoir 2006/48/CE agus Treoir 2006/49/CE (IO L 176, 27.6.2013, lch. 338).
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
Rialachán (AE) Uimhir 1024/2013 an 15 Deireadh Fómhair 2013 lena dtugtar cúraimí sonracha don Bhanc Ceannais Eorpach maidir le beartais a bhaineann le maoirseacht stuamachta ar institiúidí creidmheasa (IO L 287, 29.10.2013, lch. 63).
Council Regulation (EU) No 1024/2013 of 15 October 2013 conferring specific tasks on the European Central Bank concerning policies relating to the prudential supervision of credit institutions (OJ L 287, 29.10.2013, p. 63).
Treoir 2013/36/AE ó Pharlaimint na hEorpa agus ón gComhairle an 26 Meitheamh 2013 maidir le rochtain ar ghníomhaíochtaí institiúidí creidmheasa agus maoirseacht stuamachta ar institiúidí creidmheasa agus gnólachtaí infheistíochta, lena leasaítear Treoir 2002/87/EC agus lena n-aisghairtear Treoracha 2006/48/CE agus 2006/49/CE (IO L 176, 27.6.2013, lch. 338).
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
De bhrí nach soláthraithe seirbhíse íocaíochta atá faoi réir maoirseacht stuamachta iad scéimeanna cártaí íocaíochta go ginearálta, féadfaidh údaráis inniúla a cheangal go ndéanann iniúchóir neamhspleách an fhaisnéis a sheolann na heintitis sin a dheimhniú.
In light of the fact that payment card schemes are generally not payment service providers subject to prudential supervision, competent authorities may require that the information sent by these entities is certified by an independent auditor.
Treoir 2013/36/AE ó Pharlaimint na hEorpa agus ón gComhairle an 26 Meitheamh 2013 maidir le rochtain ar ghníomhaíocht institiúidí creidmheasa agus maoirseacht stuamachta ar institiúidí creidmheasa agus ar ghnólachtaí infheistíochta, lena leasaítear Treoir 2002/87/CE agus lena n-aisghairtear Treoir 2006/48/CE agus Treoir 2006/49/CE (IO L 176, 27.6.2013, lch. 338).
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
Treoir 2013/36/AE ó Pharlaimint na hEorpa agus ón gComhairle an 26 Meitheamh 2013 maidir le rochtain ar ghníomhaíocht institiúidí creidmheasa agus maoirseacht stuamachta ar institiúidí creidmheasa agus ar ghnólachtaí infheistíochta, lena leasaítear Treoir 2002/87/CE agus lena n-aisghairtear Treoir 2006/48/CE agus Treoir 2006/49/CE (IO L 176, 27.6.2013, lch. 338).
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC (OJ L 176, 27.6.2013, p. 338).
Mar sin féin, aithnítear sa Rialachán seo na rioscaí a bhaineann le hidirnascthacht mhéadaithe agus le luamhánú iomarcach a eascraíonn ón urrúsú agus cuirtear le maoirseacht stuamachta ar an micrileibhéal ag údaráis inniúla ar rannpháirtíocht institiúide airgeadais sa mhargadh urrúsúcháin, chomh maith le formhaoirseacht stuamachta ar an macraileibhéal ar an margadh sin ag an mBord Eorpach um Riosca Sistéamach (BERS)a bunaíodh le Rialachán (AE) Uimh. 1092/2010 ó Pharlaimint na hEorpa agus ón gComhairle [4], agus ag na húdaráis náisiúnta inniúla agus ag na húdaráis náisiúnta ainmnithe le haghaidh ionstraimí stuamachta ar an macraileibhéal.
Nevertheless, this Regulation recognises the risks of increased interconnectedness and of excessive leverage that securitisation raises, and enhances the microprudential supervision by competent authorities of a financial institution’s participation in the securitisation market, as well as the macroprudential oversight of that market by the European Systemic Risk Board (ESRB), established by Regulation (EU) No 1092/2010 of the European Parliament and of the Council [4], and by the national competent and designated authorities for macroprudential instruments.