Directive (EU) 2016/97 of the European Parliament and of the Council of 20 Januar... (32016L0097)
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Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (recast)Text with EEA relevance
- DIRECTIVE (EU) 2016/97 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL
- of 20 January 2016
- on insurance distribution (recast)
- (Text with EEA relevance)
- CHAPTER I
- SCOPE AND DEFINITIONS
- Article 1
- Scope
- Article 2
- Definitions
- CHAPTER II
- REGISTRATION REQUIREMENTS
- Article 3
- Registration
- CHAPTER III
- FREEDOM TO PROVIDE SERVICES AND FREEDOM OF ESTABLISHMENT
- Article 4
- Exercise of the freedom to provide services
- Article 5
- Breach of obligations when exercising the freedom to provide services
- Article 6
- Exercise of the freedom of establishment
- Article 7
- Division of competence between home and host Member States
- Article 8
- Breach of obligations when exercising the freedom of establishment
- Article 9
- Powers in relation to national provisions adopted in the interest of the general good
- CHAPTER IV
- ORGANISATIONAL REQUIREMENTS
- Article 10
- Professional and organisational requirements
- Article 11
- Publication of ‘general good’ rules
- Article 12
- Competent authorities
- Article 13
- Cooperation and exchange of information between the competent authorities of Member States
- Article 14
- Complaints
- Article 15
- Out-of-court redress
- Article 16
- Restriction on use of intermediaries
- CHAPTER V
- INFORMATION REQUIREMENTS AND CONDUCT OF BUSINESS RULES
- Article 17
- General principle
- Article 18
- General information provided by the insurance intermediary or insurance undertaking
- Article 19
- Conflicts of interest and transparency
- Article 20
- Advice, and standards for sales where no advice is given
- Article 21
- Information provided by ancillary insurance intermediaries
- Article 22
- Information exemptions and flexibility clause
- Article 23
- Information conditions
- Article 24
- Cross-selling
- Article 25
- Product oversight and governance requirements
- CHAPTER VI
- ADDITIONAL REQUIREMENTS IN RELATION TO INSURANCE-BASED INVESTMENT PRODUCTS
- Article 26
- Scope of additional requirements
- Article 27
- Prevention of conflicts of interest
- Article 28
- Conflicts of interest
- Article 29
- Information to customers
- Article 30
- Assessment of suitability and appropriateness and reporting to customers
- CHAPTER VII
- SANCTIONS AND OTHER MEASURES
- Article 31
- Administrative sanctions and other measures
- Article 32
- Publication of sanctions and other measures
- Article 33
- Breaches, and sanctions and other measures
- Article 34
- Effective application of sanctions and other measures
- Article 35
- Reporting of breaches
- Article 36
- Submitting information to EIOPA in relation to sanctions and other measures
- CHAPTER VIII
- FINAL PROVISIONS
- Article 37
- Data protection
- Article 38
- Delegated acts
- Article 39
- Exercise of the delegation
- Article 40
- Transitional period
- Article 41
- Review and evaluation
- Article 42
- Transposition
- Article 43
- Amendment of Directive 2002/92/EC
- Article 44
- Repeal
- Article 45
- Entry into force
- Article 46
- Addressees
- ANNEX I
- MINIMUM PROFESSIONAL KNOWLEDGE AND COMPETENCE REQUIREMENTS
- (as referred to in Article 10(2)
- ANNEX II
- PART A
- Repealed Directive with list of its successive amendments
- PART B
- Time limits for transposition into national law referred to in Article 44
- ANNEX III
- Correlation table
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