16 Amendments of Dorien ROOKMAKER related to 2021/0342(COD)
Amendment 671 #
Proposal for a regulation
Article 1 – paragraph 1 – point 34
Article 1 – paragraph 1 – point 34
Regulation (EU) No 575/2013
Article 111– paragraph 4
Article 111– paragraph 4
4. For contractual arrangements offered by an institution, but not yet accepted by the client, that would become commitments if accepted by the client, andthe percentage applicable shall be the one provided for in accordance with paragraph 2. For contractual arrangements that would qualify as commitments but meet the conditions specified in Article 5, point (9), second subparagraph, for not being treated as commitments, the percentage applicable to that type of contractual arrangement shall be that provided for in accordance with paragraph 2. 0 %.”
Amendment 758 #
Proposal for a regulation
Article 1 – paragraph 1 – point 41
Article 1 – paragraph 1 – point 41
Regulation (EU) No 575/2013
Article 122a – paragraph 3 – point e – introductory part
Article 122a – paragraph 3 – point e – introductory part
(e) for the purposes of point (c), the operational phase shall mean the phase in which the entity that was specifically created to finance the project or which is economically comparable meets both of the following conditions:
Amendment 1024 #
Proposal for a regulation
Article 1 – paragraph 1 – point 118 – point b
Article 1 – paragraph 1 – point 118 – point b
Regulation (EU) No 575/2013
Article 229– paragraph 1– point a
Article 229– paragraph 1– point a
(a) the value shall be appraised by a valuer independently from an institution’s mortgage acquisition, loan processing and loan decision process by an independent valuerthe credit decision process, who possesses the necessary qualifications, ability and experience to execute a valuation;
Amendment 1025 #
Proposal for a regulation
Article 1 – paragraph 1 – point 118 – point b
Article 1 – paragraph 1 – point 118 – point b
(i) the value excludes expectations on prof the collateral shall be the market value or mortgage lending value reduced as appropriate to reflect the results of the monitoring required under Article increases208(3) and to take account of any prior claims on the immovable property;
Amendment 1298 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
Regulation (EU) No 575/2013
Article 465 – paragraph 5 – subparagraph 1 – point a
Article 465 – paragraph 5 – subparagraph 1 – point a
(a) until 31 December 2032, a risk weight of 10 % to the part of the exposures secured by mortgages on residential property up to 55 % of the property value remaining after any senior or pari passu ranking liens not held by the institution have been deducted,
Amendment 1310 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
Regulation (EU) No 575/2013
Article 465 – paragraph 5 – subparagraph 1 – point b
Article 465 – paragraph 5 – subparagraph 1 – point b
(b) until 31 December 2029, a risk weight of 45% to any remaining part of the exposures secured by mortgages on residential property up to 80 % of the property value remaining after any senior or pari passu ranking liens not held by the institution have been deducted, provided that the adjustment to own funds requirements for credit risk referred to in Article 501 is not applied.
Amendment 1327 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
(c) for the qualifying exposures the institution has both the following claims , in the event of the default or non-payment of the obligor, a right on the residential immovable property securing the event of the default or non-payment of the obligor:xposure (or the right to request or take a mortgage on the residential property in accordance with Article 108 (4) g) and another right over the other assets and income of the obligor either contractually or by national applicable law
Amendment 1345 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
Regulation (EU) No 575/2013
Article 465 – paragraph 5 – subparagraph 3 – point a
Article 465 – paragraph 5 – subparagraph 3 – point a
Amendment 1348 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
Regulation (EU) No 575/2013
Article 465 – paragraph 5 – subparagraph 3 – point b
Article 465 – paragraph 5 – subparagraph 3 – point b
Amendment 1352 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
Regulation (EU) No 575/2013
Article 465 – paragraph 5 – subparagraph 3 – point c
Article 465 – paragraph 5 – subparagraph 3 – point c
Amendment 1372 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
Regulation (EU) No 575/2013
Article 465 – paragraph 5 – subparagraph 5
Article 465 – paragraph 5 – subparagraph 5
EBA shall monitor the use of the transitional treatment in the first subparagraph and report to the Commission by 31 December 20328 on the appropriateness of the associated risk weights.
Amendment 1384 #
Proposal for a regulation
Article 1 – paragraph 1 – point 196
Article 1 – paragraph 1 – point 196
Regulation (EU) No 575/2013
Article 465 – paragraph 5 – subparagraph 6
Article 465 – paragraph 5 – subparagraph 6
On the basis of that report and taking due account of the related internationally agreed standards developed by the BCBS, the Commission shall, where appropriate, submit to the European Parliament and to the Council a legislative proposal by 31 December 20314.;
Amendment 1415 #
Proposal for a regulation
Article 1 – paragraph 1 – point 199
Article 1 – paragraph 1 – point 199
Regulation (EU) No 575/2013
Article 495b – paragraph 1 – point a
Article 495b – paragraph 1 – point a
(a) 530 % during the period from 1 January 2025 to 31 December 20278;
Amendment 1416 #
Proposal for a regulation
Article 1 – paragraph 1 – point 199
Article 1 – paragraph 1 – point 199
Regulation (EU) No 575/2013
Article 495b – paragraph 1 – point b
Article 495b – paragraph 1 – point b
(b) 870 % during the period from 1 January 20289 to 31 December 2028;
Amendment 1419 #
Proposal for a regulation
Article 1 – paragraph 1 – point 199
Article 1 – paragraph 1 – point 199
Regulation (EU) No 575/2013
Article 495b – paragraph 1 – point c
Article 495b – paragraph 1 – point c
(c) 1080 % during the period from 1 January 2029 to 31 December 202931.
Amendment 1422 #
Proposal for a regulation
Article 1 – paragraph 1 – point 199
Article 1 – paragraph 1 – point 199
Regulation (EU) No 575/2013
Article 495b – paragraph 2 – subparagraph 1
Article 495b – paragraph 2 – subparagraph 1
2. EBA shall prepare a report on the appropriate calibration of riskfinal LGD input floors, including the haircut parameters, applicable to specialised lending exposures under the IRB Approach, and in particular on own estimates of LGD and LGD input floorin order not to penalize high quality transactions. EBA shall in particular include in its report data on average numbers of defaults and realised losses observed in the Union for different samples of institutions with different business and risk profiles., and also an assessment of the impact of the applicable regulation and guidelines, on the financing of underlaying economic activities financed by SLEs