eba.europa.eu/sites/default/documents/files/documents/10180/1466166/bcf8746e-c2a8-4217-bec6-79219f8914a1/EBA-DC-2016-151%20Decision%20on%20the%20Use%20of%20Unsolicited%20Credit%20Assessments.pdf
EBA/DC/2016/151
Referral from Article 138 CRR