eba.europa.eu/sites/default/documents/files/documents/10180/657547/7bfba694-8fb9-4323-90d1-dbb69264e8d6/EBA-Op-2014-11%20%28Opinion%20on%20CfA%20on%20art%20108%20and%20109%29.pdf
EBA/OP/2014/11
Referral from Article 22 CRR