PRIIPs KID Delivery in Private Banking: The Article 13 Rule
PRIIPs KID delivery: Article 13 requires retail clients receive the KID before commitment. Essential guide for private banking teams.
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MiFID II : Entre Gestion Discrétionnaire et Conseil en Investissement en banque privée
MiFID II banque privée Luxembourg : gestion de portefeuille, conseil en investissement, adéquation et risque CSSF.
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Crédit à la consommation au Luxembourg : application de la CCD2 le 20 novembre 2026
Préparez-vous au cadre CCD2 crédit consommation Luxembourg. Les banques doivent évaluer la solvabilité et adapter la documentation avant le 20 novembre 2026.
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Luxembourg Consumer Credit: CCD2 Application 2026
Directive (EU) 2023/2225 of 18 October 2023 on credit agreements for consumers (the “CCD2”) governs the updated Luxembourg consumer credit CCD2 regime applying from 20 November 2026. Luxembourg bill of law 8708 remains in parliamentary process as part of the national implementation work. Banks must systematically update pre-contractual disclosures, align templates with the EUR 1–100,000…
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Luxembourg Cross-Border Private Banking Regulatory Framework
A Luxembourg authorisation does not allow the same private-banking services in every client country. The EEA passport gives access, but country-by-country rules still shape client contact, advice, products, marketing and file evidence.
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Marketing Communications in Luxembourg Private Banking: MiFID II, PRIIPs and Fund Marketing
Luxembourg private-banking communications may trigger MiFID II, PRIIPs and fund-marketing rules depending on the product, the client and the bank’s role. The key discipline is documentary: align the communication, approve the version and preserve evidence.
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Subscription, Commitment and Investor Eligibility: Entering a Luxembourg RAIF, SIF or SICAR
This article addresses the subscription, commitment and investor eligibility framework for reserved alternative investment funds, specialised investment funds and investment companies in risk capital. It does not address unregulated Luxembourg partnership structures or other vehicle types. Before a private-banking client commits capital to one of these Luxembourg private fund vehicles, three distinct elements must be…
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Luxembourg Financial Collateral and the Mechanism of Appropriation
Appropriation of Pledged Financial Instruments in Luxembourg Private Banking: The Enforcement Clause That Makes the Security Work We examines appropriation as an enforcement mechanism under the Luxembourg Law of 5 August 2005 on financial collateral arrangements, and its operational implications for private banking and Lombard lending. The Core Mechanism Appropriation is not a theoretical backstop. It is the provision by which a pledgee — typically the lender or bank — may…