Updated 04/01/2025
In force since 11/02/2024

Initial Legal Act
References (7)
eba.europa.eu/legacy/regulation-and-policy/regulatory-activities/consumer-protection-and-financial-innovation-0
22/01/2024
Delegated Regulation 2024/358 published in OJ
29/04/2022
EBA/RTS/2022/05
Final Draft published
08/12/2021
EBA/CP/2021/39
Consultation published
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ECSPR ToolDelegated Regulation 2024/358

Delegated Regulation 2024/358

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

Recitals
Article 1 - Format of the description of the method to calculate credit scores for crowdfunding projects and prices of crowdfunding offersArticle 2 - Elements to be included in the description of the method used to calculate credit scores for crowdfunding projectsArticle 3 - Elements to be included in the description of the method used to calculate prices of crowdfunding offers
Article 4 - Approaches and information for credit risk assessment and loan valuationArticle 5 - General requirements for credit risk assessments of crowdfunding projects or project ownersArticle 6 - Information to be considered in the credit risk assessments of crowdfunding projects or project ownersArticle 7 - Factors to be considered in assessing the financial situation of the project owner or of the crowdfunding projectArticle 8 - Information to be considered in assessing of the business model and strategy of crowdfunding projects or project ownersArticle 9 - Information on credit protection arrangementsArticle 10 - Information on funded credit protectionArticle 11 - Information on unfunded credit protectionArticle 12 - Accounting informationArticle 13 - Information to be considered for loan valuation
Article 15 - Governance arrangements for information for clientsArticle 16 - Policies for disclosing information to clientsArticle 17 - Establishment of a risk management frameworkArticle 18 - Roles and functions established in the risk management frameworkArticle 19 - Risk categoriesArticle 20 - Approval of crowdfunding projectsArticle 21 - Use of automated modelsArticle 22 - Policies for credit risk assessmentArticle 23 - Entry into force
ANNEX - Relevant financial indicators to be considered in the assessment of the financial situation referred to in Article 7(4)