Part I: Information on individual portfolio management of loans to be provided by crowdfunding service providers

Identity, legal form, ownership, management and contact details of the crowdfunding service provider; The minimum and maximum interest rate of loans that may be available to investors’ individual portfolios; The minimum and maximum maturity date of loans that may be available to investors’ individual portfolios; Where used, the range and distribution of risk categories that loans fall into, as well as the default rates and a weighted average interest rate per risk category with a further break down by the year in which the loans were granted through the crowdfunding service provider; The key elements of the internal methodology for credit risk assessment of the individual crowdfunding projects and for defining the risk categories; If a target rate of return on investment is offered, an annualised target rate and the confidence interval of this annualised target rate over the investment period, taking into account fees and default rates; Procedures, internal methodologies and criteria for selection of the crowdfunding projects to the individual portfolio of loans for the investor; Coverage and conditions of any applicable capital guarantees; The servicing of portfolio loans, including in situations where a project owner does not meet its obligations; Risk diversification strategies; Fees to be paid by the project owner or the investor, including any deduction from the interest to be paid by the project owner.

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Source: EUR-Lex (Cellar) · retrieved 2026-10-12 · Text as adopted (Official Journal); later amendments are not incorporated in this text.