4 Q&As on CRR: Credit risk and Other issues

The European Banking Authority (EBA) has published the following four new Q&As as regards issues relating to the Capital Requirements Regulation (CRR):
+ 2021_6018 – Credit risk – Exposures in default secured by mortgages on residential property
How to classify an exposures, that is secured by mortgages on residential property and, according to the Article 124(2) of Regulation (EU) No. 575/2013 (CRR), is assigned a 150% risk weight and, at the same time, qualifies as ‚Exposures in default‘ and meets the criteria listed in Article 127(1)(b) or (3) CRR, to assign it a 100 % risk weight?
+ 2021_5832 – Other issues – Scope of Article 21a(6) CRD
What is the scope of application of the supervisory measures that can be imposed under Article 21a(6) CRD?
Does it encompass for instance measures to address capital, large exposures, liquidity and internal model breaches?
+ 2021_5785 – Credit Risk – Non performing exposures / loan origination – Underlying exposures of securitisations and calculation of the applicable amount of insufficient coverage for NPE for the purpose of calculating deductions from CET1 items
Are underlying exposures of a traditional or synthetic securitisation, for which the originator has either:
i) achieved Significant Risk Transfer (SRT) as per Article 244(1)(a) or Article 245(1)(a); or
ii) following the full deduction approach as per Article 244(1)(b) or Article 245(1)(b)
in or out of scope of the minimum loss coverage requirement for non-performing exposures (see Article 36(1)(m) and Article 47a CRR)?
+ 2021_6257 – Credit risk – Purchase of credit receivables as a form of ‚granting credits’
Should the purchase of credit receivables be classified as ‚granting credits‘ within the meaning of CRR’s definition of credit institution? And if so, would a subject (a natural or legal person) whose activity is that of repeatedly purchasing credit receivables from a credit institution and concurrently taking deposits or other repayable funds from public, be required to obtain a license under Article 8 CRD?