We also use relevant EU-level directives and regulations in our work, including the following:

  • Capital Requirements Directive (CRD V) and Capital Requirements Regulation (CRR II);
  • E-money Directive (EMD);
  • Payment Services Directive 2 (PSD2);
  • Consumer Credit Directive and Mortgage Credit Directive;
  • Crowdfunding Regulation;
  • Directive on Markets in Financial Instruments II (MIFID II);
  • Regulation on Markets in Financial Instruments (MIFIR);
  • Prospectus Regulation;
  • Market Abuse Directive (MAD) and Market Abuse Regulation (MAR);
  • Regulation on OTC derivatives, central counterparties and trade repositories (EMIR);
  • Settlement Finality Directive and Financial Collateral Directive;
  • Central Securities Depository Regulation (CSDR);
  • UCITS Directive (UCITS V);
  • Alternative Investment Fund Managers Directive (AIFMD);
  • Directive (IFD) and Regulation (IFR) on prudential requirements for investment firms;
  • Solvency II Directive;
  • Insurance Distribution Directive (IDD);
  • Regulation on key information documents for packaged retail and insurance-based investment products (PRIIPs);
  • Anti-Money Laundering Directive (AMLD 5);
  • Regulation on Markets in Crypto-Assets (MiCA);
  • Regulation on the protection of persons who report breaches of Union law (Whistleblower Directive);
  • Sustainable Finance Disclosure Regulation (SFDR)
  • Corporate Sustainability Reporting Directive (CSRD)
  • Digital Operational Resilience Act (DORA).

In addition to the above, financial market participants have to comply with EU-level regulations and technical standards as well as Estonian and EU guidelines issued by the European Commission, the European Council, the Estonian Financial Supervisory Authority (FSA), the Estonian Financial Intelligence Unit (FIU), the European Banking Authority (EBA), the European Central Bank (ECB), the European Securities and Markets Authority (ESMA), the European Insurance and Occupational Pensions Authority (EIOPA) and the Financial Action Task Force (FATF). These documents often entail detailed requirements for market participants – we advise our customers on how to comply with them.

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Advokaadibüroo KPMG Law OÜ

+372 6676 805
info@kpmglaw.ee
Ahtri 4, 10151 Tallinn, Estonia
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