EBA publishes final report on the draft RTS regarding homogeneity requirements

EBA publishes final report on the draft RTS regarding homogeneity requirements
On 14 February 2023, the European Banking Authority (EBA) published a Final Report on a draft regulatory technical standards (RTS) regarding the homogeneity requirements established under Articles 20(14), 24(21) and 26b(13) of the Securitisation Regulation.
The new RTS will be implemented as an amendment to Delegated Regulation (EU) 2019/1851 upon endorsement of the European Commission and the scrutiny by the European Parliament and the Council (the "Homogeneity RTS Amendment").
This Homogeneity RTS Amendment updates the following:
For exposures to be deemed homogeneous under the Securitisation Regulation, they must meet four requirements:
Homogeneity factors are available in connection with some asset types as follows:
The Homogeneity RTS Amendment will include these main updates:
Article 1 (a): (iii) credit facilities provided to individuals for personal, family or household consumption purposes and credit facilities provided to enterprises where the originator applies the same credit risk assessment approach as for individuals not covered under points (i), (ii) and (iv) to (viii); |
Article 1 (a): (iii) credit facilities provided to individuals for personal, family or household consumption purposes and credit facilities provided to enterprises where the originator applies the same credit risk assessment approach as for individuals not covered under points (i), (ii) and (iv) to (viii); |
Article 1 (d): |
Article 1 (d): (d) one or more of the homogeneity factors are applied in accordance with Article 2, where applicable; |
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