Notice extending EBA/GL/2025/03 guidelines on ADC exposures to residential real estate to financing companies under Article 126 bis of Regulation (EU) No 575/2013

NOTICE

Notice extending to financing companies the European Banking Authority (EBA) guidelines "EBA/GL/2025/03" on exposures on the acquisition of land and building construction ("ADC exposures") on residential real estate under Article 126 bis of Regulation (EU) No 575/2013

This notice aims to extend to financing companies the European Banking Authority (EBA) guidelines "EBA/GL/2025/03" on exposures on the acquisition of land and building construction ("ADC exposures") on residential real estate under Article 126 bis of Regulation (EU) No 575/2013, to which the Prudential Control and Resolution Authority (ACPR) has declared itself compliant (cf. Notice published on December 19, 2025).

The ACPR expects financing companies, which do not fall within the definition of "financial institutions" referred to in paragraph 1 of Article 4 of Regulation (EU) No 1093/2010 establishing the EBA but to which the requirements of Directive 2013/36/EU and Regulation (EU) No 575/2013 apply, unless derogations are granted, to make every effort to comply with the EBA/GL/2025/03 guidelines.

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Find the associated EBA guidelines

Guidelines on exposures on the acquisition of land and building construction ("ADC exposures") on residential real estate under Article 126 bis of Regulation (EU) No 575/2013

Updated on December 19, 2025