2 min read · EBA reporting framework 4.2 · Updated 10 November 2026

Every EBA validation rule, in plain words

Every validation rule in the 42 EBA returns Line4 Check covers, from reporting framework 4.2, in plain words: 6,929 rule codes. Search for the code in your rejection message, read what the rule means and what to do, then check your file against it in your browser.

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Browse by return

Each return lists its rules by template, with how many can block a filing.

Financial statements (FINREP)

Capital, liquidity and large exposures (COREP)

Funding, interest rate risk and other bank returns

Resolution, MREL and TLAC

Investment firms (IFR)

Remuneration

Supervisory benchmarking of internal models (SBP)

Payment fraud and crypto-assets (PSD2 and MiCA)

The rules that can block a filing

EBA marks each rule as blocking or a warning. A filing that fails a blocking rule is normally rejected. These 292 are the blocking rules Line4 Check runs.

Financial reporting (FINREP 9) · 194

Own funds and capital requirements (COREP own funds) · 33

Leverage ratio (COREP LR) · 2

The absolute value of retail exposures cannot be less than the absolute value of retail SME (C 43.00.b, v5899_h)
The absolute value of retail exposures cannot be less than the absolute value of retail SME (C 43.00.c, v5900_h)

Liquidity coverage ratio (LCR) · 1

Total unadjusted level 1 ASSETS must equal the sum of its two parts (C 72.00.w, v6292_m)

Asset encumbrance (AE) · 4

Resolution planning: organisation and liabilities (RESOL1) · 48

Outstanding amount, total must equal the sum of its five parts (v6422_m)
Overall capital requirement (OCR) ratio cannot be less than total SREP capital requirement (TSCR) ratio (v6436_m)
Carrying amount, total must equal the sum of its eight parts (v6469_m)
Carrying amount, total must equal the sum of its seven parts (v6470_m)
Carrying amount: total must equal credit institutions plus other financial corporations (v6471_m)
Carrying amount, total must equal carrying amount, households (v6472_m)
Carrying amount, total must equal carrying amount, general governments & central banks (v6473_m)
Outstanding amount, total must equal the sum of its eight parts (v6474_m)
Outstanding amount, total must equal the sum of its seven parts (row 0110, v6475_m)
Outstanding amount: total must equal credit institutions plus other financial corporations (v6476_m)
Outstanding amount, total must equal outstanding amount, households (v6477_m)
Outstanding amount: total must equal general governments & central banks (v6478_m)
Households: liabilities excluded from bail-in must equal the sum of its seven parts (Z 02.00.b, v6479_m)
Non-financial corporations (SMEs): liabilities excluded from bail-in must equal the sum of its seven parts (Z 02.00.b, v6481_m)
Non-financial corporations (non-SMEs): liabilities excluded from bail-in must equal the sum of its seven parts (Z 02.00.a, v6482_m)
Credit institutions: liabilities excluded from bail-in must equal the sum of its eight parts (Z 02.00.b, v6483_m)
Credit institutions: liabilities excluded from bail-in must equal the sum of its eight parts (Z 02.00.a, v6484_m)
Liabilities excluded from bail-in must equal the sum of its nine parts (Z 02.00.b, v6485_m)
Liabilities excluded from bail-in must equal the sum of its nine parts (Z 02.00.a, v6486_m)
General governments & central banks: liabilities excluded from bail-in must equal the sum of its eight parts (Z 02.00.b, v6487_m)
General governments & central banks: liabilities excluded from bail-in must equal the sum of its eight parts (Z 02.00.a, v6488_m)
Liabilities excluded from bail-in must equal the sum of its eleven parts (Z 02.00.b, v6489_m)
Liabilities excluded from bail-in must equal the sum of its eleven parts (Z 02.00.a, v6490_m)
Liabilities governed by the law of a third country, excluding intragroup: liabilities excluded from bail-in must equal the sum of its seven parts (Z 02.00.b, v6491_m)
Liabilities governed by the law of a third country, excluding intragroup: liabilities excluded from bail-in must equal the sum of its seven parts (Z 02.00.a, v6492_m)
Liabilities not excluded from bail-in must equal the sum of its eleven parts (Z 02.00.b, v6493_m)
Liabilities not excluded from bail-in must equal the sum of its eleven parts (Z 02.00.a, v6494_m)
Deposits, not covered but preferential must equal the sum of its four parts (Z 02.00.b, v6495_m)
Deposits, not covered but preferential must equal the sum of its four parts (Z 02.00.a, v6496_m)
Deposits, not covered and not preferential must equal the sum of its four parts (Z 02.00.b, v6497_m)
Deposits, not covered and not preferential must equal the sum of its four parts (Z 02.00.a, v6498_m)
Uncollateralized secured liabilities must equal the sum of its four parts (Z 02.00.b, v6499_m)
Uncollateralized secured liabilities must equal the sum of its four parts (Z 02.00.a, v6500_m)
Structured notes must equal the sum of its four parts (Z 02.00.b, v6501_m)
Structured notes must equal the sum of its four parts (Z 02.00.a, v6502_m)
Senior unsecured liabilities must equal the sum of its four parts (Z 02.00.b, v6503_m)
Senior unsecured liabilities must equal the sum of its four parts (Z 02.00.a, v6504_m)
Senior non-preferred liabilities must equal the sum of its four parts (Z 02.00.b, v6505_m)
Senior non-preferred liabilities must equal the sum of its four parts (Z 02.00.a, v6506_m)
Subordinated liabilities (not recognised as own funds) must equal the sum of its four parts (Z 02.00.b, v6507_m)
Subordinated liabilities (not recognised as own funds) must equal the sum of its four parts (Z 02.00.a, v6508_m)
Other MREL eligible liabilities must equal the sum of its two parts (Z 02.00.b, v6509_m)
Other MREL eligible liabilities must equal the sum of its two parts (Z 02.00.a, v6510_m)
None of the three values it checks in intragroup financial interconnections (IFC) can be negative (Z 04.00, v7277_s)
Outstanding amount cannot be negative (Z 05.01, v7278_s)
Amount cannot be negative (Z 05.02, v7279_s)
Neither of the two values it checks in deposit insurance (DIS) can be negative (Z 06.00, v7281_s)
Non-identified, listed on a trading venue: liabilities excluded from bail-in must equal the sum of its six parts (Z 02.00.a, v11901_m)

Diversity benchmarking (REM diversity) · 8

A conditional check across business regions/Geographical provenance and corporate information (R 19.00, R 13.00.b, R 13.00.a, row 0030, v22578_m)
A conditional check across business regions/Geographical provenance and corporate information (R 19.00, R 13.00.b, R 13.00.a, row 0040, v22579_m)
A conditional check on diversity policy, nomination and gender diversity (R 22.01, v22581_m)
A conditional check across diversity policy, and diversity policy, nomination and gender diversity (R 22.02, R 22.01, row 0010, v22586_m)
A conditional check across diversity policy, and diversity policy, nomination and gender diversity (R 22.02, R 22.01, row 0010, v22589_m)
A conditional check across diversity policy, and diversity policy, nomination and gender diversity (R 22.02, R 22.01, row 0020, v22590_m)
A conditional check across diversity policy, and diversity policy, nomination and gender diversity (R 22.02, R 22.01, row 0010, v22591_m)
A conditional check across diversity policy, and diversity policy, nomination and gender diversity (R 22.02, R 22.01, row 0020, v22592_m)

Benchmarking of credit risk models (SBP credit risk) · 1

PD cannot be more than 1 (C 103.00, v4926_m)

Payment fraud (PSD2 fraud reporting) · 1

Payment transactions cannot be negative (Y 01.01, v09247_s)

How these pages are written

Every page is written from EBA's own rule, with the row, column and sheet names of EBA's templates. Nothing is guessed: where a rule cannot be put simply, the page says what it checks and shows EBA's formula.

“The rule in plain words” is built from the rule itself: what all its cells share is said once, then the rows, columns or sheets EBA checks it for. EBA writes many rules out once per row, column or sheet; each rule code has one page. The report's own wording is folded away under it, so you can match a failure to its page word for word.

Checks like this one, run at the point of submission, are the first step to real-time supervision.

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