# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: idd
celex: "32016L0097"
eli: "http://data.europa.eu/eli/dir/2016/97/oj"
full_title: Insurance Distribution Directive (EU) 2016/97
short_title: IDD
instrument_type: directive
document_type: directive
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2016-02-22"
  to: null
dates:
  adopted: "2016-01-20"
  entered_into_force: "2016-02-22"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 47
total_recitals: 0
total_annexes: 3
definitions_article: 2
chunk_strategy: by_chapter
chunks:
  - /idd/chunks/idd_t01_scope_and_definitions.md
  - /idd/chunks/idd_t02_registration_requirements.md
  - /idd/chunks/idd_t03_freedom_to_provide_services_and_freedom_.md
  - /idd/chunks/idd_t04_organisational_requirements.md
  - /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
  - /idd/chunks/idd_t06_additional_requirements_in_relation_to_i.md
  - /idd/chunks/idd_t07_sanctions_and_other_measures.md
  - /idd/chunks/idd_t08_final_provisions.md
  - /idd/chunks/annexes.md
key_dates:
  - date: "2016-01-20"
    type: lifecycle
    context: "Adopted"
  - date: "2016-02-22"
    type: lifecycle
    context: "Entered into force"
  - date: "2016-02-23"
    type: application
    article: "43"
    context: "Chapter IIIA of Directive 2002/92/EC is deleted with effect from 23 February 2016."
  - date: "2017-02-23"
    type: deadline
    article: "20"
    context: "…8. EIOPA shall submit those draft implementing technical standards to the Commission by 23 February 2017. Power is conferred on the Commission…"
  - date: "2017-08-23"
    type: deadline
    article: "30"
    context: "…(c) the retail or professional nature of the customer or potential customer. 7. By 23 August 2017, EIOPA shall develop guidelines, and…"
  - date: "2017-12-31"
    type: review
    article: "10"
    context: "…index of consumer prices as published by Eurostat. The first review shall take place by 31 December 2017 and successive reviews shall take…"
  - date: "2018-02-23"
    type: review
    article: "41"
    context: "…Authority before making public its report. 5. In a third report to be prepared by 23 February 2018, EIOPA shall undertake an evaluation…"
  - date: "2018-06-30"
    type: review
    article: "10"
    context: "…10. EIOPA shall submit those draft regulatory technical standards to the Commission by 30 June 2018 and the successive draft regulatory…"
  - date: "2018-07-01"
    type: deadline
    article: "42"
    context: "1. By 1 July 2018, Member States shall adopt and…"
  - date: "2018-10-01"
    type: application
    article: "42"
    context: "…inform the Commission thereof. Member States shall apply those measures from 1 October 2018 at the latest. When Member States…"
  - date: "2018-10-01"
    type: application
    article: "44"
    context: "…Directives listed in Part A of Annex II to this Directive, is repealed with effect from 1 October 2018, without prejudice to the obligations…"
  - date: "2019-02-23"
    type: deadline
    article: "11"
    context: "…context of the proper functioning of this Directive and of the internal market before 23 February 2019."
  - date: "2019-02-23"
    type: deadline
    article: "40"
    context: "…the relevant provisions of national law implementing Article 10(1) of this Directive by 23 February 2019."
  - date: "2020-02-23"
    type: review
    article: "41"
    context: "…shall submit a first report to the European Parliament and the Council. 4. By 23 February 2020, and at least every two years…"
  - date: "2021-02-23"
    type: review
    article: "41"
    context: "1. By 23 February 2021, the Commission shall submit to the…"

generated_at: "2026-09-08T12:37:01.671Z"

articles:
  - article_number: 1
    article_title: Scope
    chunk_file: /idd/chunks/idd_t01_scope_and_definitions.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - insurance
      - insurance_distribution
      - scope
      - definitions
      - authorisation
      - liability
      - reinsurance
      - passporting
    keywords:
      - POS
      - ATM
      - ITS
      - insurance distribution
      - reinsurance distribution
      - insurance intermediary
      - ancillary insurance intermediary
      - insurance undertaking
      - reinsurance undertaking
      - insurance distributor
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 14
      - target: Article 17
      - target: Article 24
      - target: Article 20
        paragraph: "5"
    external_references: []
    recitals: []

  - article_number: 2
    article_title: Definitions
    chunk_file: /idd/chunks/idd_t01_scope_and_definitions.md
    path: "Title 1 > Article 2"
    applies_to_entities:
      - credit_institutions
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - scope
      - definitions
      - liability
      - reinsurance
    keywords:
      - liability
      - POS
      - data
      - access
      - branch
      - scheme
      - ITS
      - insurance distribution
      - reinsurance distribution
      - insurance intermediary
      - ancillary insurance intermediary
      - reinsurance intermediary
      - insurance undertaking
      - reinsurance undertaking
      - insurance distributor
      - remuneration
      - home member state
      - host member state
      - close links
      - primary place of business
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2009/138/EC"
    recitals: []

  - article_number: 3
    article_title: Registration
    chunk_file: /idd/chunks/idd_t02_registration_requirements.md
    path: "Title 2 > Article 3"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - competent_authorities
      - reinsurance
      - passporting
    keywords:
      - supervision
      - data
      - access
      - cross-border
      - system
      - ITS
      - insurance distribution
      - reinsurance distribution
      - insurance intermediary
      - ancillary insurance intermediary
      - reinsurance intermediary
      - insurance undertaking
      - reinsurance undertaking
      - insurance distributor
      - home member state
      - host member state
      - close links
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
    external_references: []
    recitals: []

  - article_number: 4
    article_title: Exercise of the freedom to provide services
    chunk_file: /idd/chunks/idd_t03_freedom_to_provide_services_and_freedom_.md
    path: "Title 3 > Article 4"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - passporting
      - reinsurance
    keywords:
      - ITS
      - insurance intermediary
      - ancillary insurance intermediary
      - insurance undertaking
      - reinsurance undertaking
      - home member state
      - host member state
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 11
        paragraph: "1"
      - target: Article 11
        paragraph: "3"
      - target: Article 11
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 5
    article_title: Breach of obligations when exercising the freedom to provide services
    chunk_file: /idd/chunks/idd_t03_freedom_to_provide_services_and_freedom_.md
    path: "Title 3 > Article 5"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - passporting
      - reinsurance
    keywords:
      - SCA
      - consumer
      - POS
      - ITS
      - insurance intermediary
      - ancillary insurance intermediary
      - home member state
      - host member state
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "1094/2010"
    recitals: []

  - article_number: 6
    article_title: Exercise of the freedom of establishment
    chunk_file: /idd/chunks/idd_t03_freedom_to_provide_services_and_freedom_.md
    path: "Title 3 > Article 6"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - passporting
      - reinsurance
    keywords:
      - branch
      - RTS
      - ITS
      - insurance intermediary
      - ancillary insurance intermediary
      - insurance undertaking
      - reinsurance undertaking
      - home member state
      - host member state
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 11
        paragraph: "1"
      - target: Article 11
        paragraph: "3"
      - target: Article 11
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 7
    article_title: Division of competence between home and host Member States
    chunk_file: /idd/chunks/idd_t03_freedom_to_provide_services_and_freedom_.md
    path: "Title 3 > Article 7"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - passporting
      - competent_authorities
      - reinsurance
    keywords:
      - ITS
      - insurance intermediary
      - ancillary insurance intermediary
      - home member state
      - host member state
      - primary place of business
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 8
    article_title: Breach of obligations when exercising the freedom of establishment
    chunk_file: /idd/chunks/idd_t03_freedom_to_provide_services_and_freedom_.md
    path: "Title 3 > Article 8"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - passporting
      - reinsurance
    keywords:
      - SCA
      - consumer
      - POS
      - ITS
      - insurance intermediary
      - ancillary insurance intermediary
      - home member state
      - host member state
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 7
        paragraph: "2"
    external_references:
      - instrument_type: regulation
        reference: "1094/2010"
    recitals: []

  - article_number: 9
    article_title: Powers in relation to national provisions adopted in the interest of the general good
    chunk_file: /idd/chunks/idd_t03_freedom_to_provide_services_and_freedom_.md
    path: "Title 3 > Article 9"
    applies_to_entities:
      - member_states
      - competent_authorities
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - passporting
      - competent_authorities
      - reinsurance
    keywords:
      - consumer
      - POS
      - ITS
      - insurance intermediary
      - ancillary insurance intermediary
      - insurance distributor
      - home member state
      - host member state
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 11
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1094/2010"
    recitals: []

  - article_number: 10
    article_title: Professional and organisational requirements
    chunk_file: /idd/chunks/idd_t04_organisational_requirements.md
    path: "Title 4 > Article 10"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - liability
      - refunds
      - reinsurance
    keywords:
      - liability
      - consumer
      - transfer
      - POS
      - ITS
      - insurance distribution
      - reinsurance distribution
      - insurance intermediary
      - ancillary insurance intermediary
      - reinsurance intermediary
      - insurance undertaking
      - reinsurance undertaking
      - insurance distributor
      - home member state
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1094/2010"
    recitals: []

  - article_number: 11
    article_title: Publication of ‘general good’ rules
    chunk_file: /idd/chunks/idd_t04_organisational_requirements.md
    path: "Title 4 > Article 11"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - consumer_protection
      - reinsurance
    keywords:
      - consumer
      - POS
      - ITS
      - insurance distribution
      - reinsurance distribution
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 29
        paragraph: "3"
    external_references: []
    recitals: []

  - article_number: 12
    article_title: Competent authorities
    chunk_file: /idd/chunks/idd_t04_organisational_requirements.md
    path: "Title 4 > Article 12"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - insurance
      - insurance_distribution
      - competent_authorities
      - reinsurance
    keywords:
      - POS
      - ITS
      - insurance undertaking
      - reinsurance undertaking
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 13
    article_title: Cooperation and exchange of information between the competent authorities of Member States
    chunk_file: /idd/chunks/idd_t04_organisational_requirements.md
    path: "Title 4 > Article 13"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - competent_authorities
      - reinsurance
    keywords:
      - sanction
      - insurance distributor
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2009/138/EC"
    recitals: []

  - article_number: 14
    article_title: Complaints
    chunk_file: /idd/chunks/idd_t04_organisational_requirements.md
    path: "Title 4 > Article 14"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - reinsurance
    keywords:
      - consumer
      - insurance distributor
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 15
    article_title: Out-of-court redress
    chunk_file: /idd/chunks/idd_t04_organisational_requirements.md
    path: "Title 4 > Article 15"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
    keywords:
      - cross-border
      - settlement
      - insurance distributor
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 16
    article_title: Restriction on use of intermediaries
    chunk_file: /idd/chunks/idd_t04_organisational_requirements.md
    path: "Title 4 > Article 16"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - reinsurance
    keywords:
      - insurance distribution
      - reinsurance distribution
      - insurance undertaking
      - reinsurance undertaking
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
        paragraph: "3"
    external_references: []
    recitals: []

  - article_number: 17
    article_title: General principle
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 17"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
    keywords:
      - ITS
      - insurance distribution
      - insurance distributor
      - remuneration
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 18
    article_title: General information provided by the insurance intermediary or insurance undertaking
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 18"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
    keywords:
      - ITS
      - insurance intermediary
      - insurance undertaking
      - advice
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 14
      - target: Article 15
    external_references: []
    recitals: []

  - article_number: 19
    article_title: Conflicts of interest and transparency
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 19"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
      - conflicts_of_interest
    keywords:
      - API
      - POS
      - ITS
      - insurance distribution
      - insurance intermediary
      - insurance undertaking
      - remuneration
      - advice
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 20
    article_title: "Advice, and standards for sales where no advice is given"
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 20"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
    keywords:
      - consumer
      - POS
      - ITS
      - insurance intermediary
      - insurance distributor
      - advice
      - durable medium
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: true
      transitional: false
    internal_references:
      - target: Article 24
    external_references:
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2009/138"
      - instrument_type: regulation
        reference: "1094/2010"
    recitals: []

  - article_number: 21
    article_title: Information provided by ancillary insurance intermediaries
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 21"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 19
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 22
    article_title: Information exemptions and flexibility clause
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 22"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
      - reinsurance
      - investor_protection
      - passporting
    keywords:
      - third party
      - ITS
      - insurance distributor
      - advice
      - large risks
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 18
      - target: Article 19
      - target: Article 20
      - target: Article 29
      - target: Article 30
      - target: Article 20
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2014/65/EU"
    recitals: []

  - article_number: 23
    article_title: Information conditions
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 23"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
    keywords:
      - consumer
      - POS
      - access
      - consent
      - insurance distributor
      - durable medium
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 18
      - target: Article 19
      - target: Article 20
      - target: Article 29
    external_references: []
    recitals: []

  - article_number: 24
    article_title: Cross-selling
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 24"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
    keywords:
      - supervision
      - consumer
      - SEPA
      - POS
      - guidelines
      - insurance distributor
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 17
    external_references:
      - instrument_type: directive
        reference: "2014/65/EU"
      - instrument_type: directive
        reference: "2014/92/EU"
    recitals: []

  - article_number: 25
    article_title: Product oversight and governance requirements
    chunk_file: /idd/chunks/idd_t05_information_requirements_and_conduct_of_.md
    path: "Title 5 > Article 25"
    applies_to_entities: []
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
      - conflicts_of_interest
    keywords:
      - POS
      - insurance undertaking
      - insurance distributor
      - large risks
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 38
    external_references: []
    recitals: []

  - article_number: 26
    article_title: Scope of additional requirements
    chunk_file: /idd/chunks/idd_t06_additional_requirements_in_relation_to_i.md
    path: "Title 6 > Article 26"
    applies_to_entities: []
    topics:
      - insurance
      - insurance_distribution
    keywords:
      - insurance distribution
      - insurance intermediary
      - insurance undertaking
      - insurance-based investment product
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 17
      - target: Article 18
      - target: Article 19
      - target: Article 20
    external_references: []
    recitals: []

  - article_number: 27
    article_title: Prevention of conflicts of interest
    chunk_file: /idd/chunks/idd_t06_additional_requirements_in_relation_to_i.md
    path: "Title 6 > Article 27"
    applies_to_entities: []
    topics:
      - insurance
      - insurance_distribution
      - conflicts_of_interest
    keywords:
      - ITS
      - insurance intermediary
      - insurance undertaking
      - insurance-based investment product
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 17
      - target: Article 28
    external_references: []
    recitals: []

  - article_number: 28
    article_title: Conflicts of interest
    chunk_file: /idd/chunks/idd_t06_additional_requirements_in_relation_to_i.md
    path: "Title 6 > Article 28"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - liability
      - conflicts_of_interest
    keywords:
      - insurance distribution
      - insurance intermediary
      - insurance undertaking
      - durable medium
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 27
      - target: Article 23
        paragraph: "1"
      - target: Article 38
    external_references: []
    recitals: []

  - article_number: 29
    article_title: Information to customers
    chunk_file: /idd/chunks/idd_t06_additional_requirements_in_relation_to_i.md
    path: "Title 6 > Article 29"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - insurance
      - insurance_distribution
      - information_requirements
      - market_risk
      - passporting
    keywords:
      - transaction
      - POS
      - third party
      - ITS
      - insurance intermediary
      - insurance undertaking
      - close links
      - advice
      - insurance-based investment product
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 18
      - target: Article 19
        paragraph: "1"
      - target: Article 19
        paragraph: "2"
      - target: Article 30
      - target: Article 19
        paragraph: "3"
      - target: Article 22
        paragraph: "3"
      - target: Article 17
        paragraph: "1"
      - target: Article 27
      - target: Article 28
      - target: Article 38
    external_references: []
    recitals: []

  - article_number: 30
    article_title: Assessment of suitability and appropriateness and reporting to customers
    chunk_file: /idd/chunks/idd_t06_additional_requirements_in_relation_to_i.md
    path: "Title 6 > Article 30"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - passporting
    keywords:
      - transaction
      - POS
      - consent
      - RTS
      - ITS
      - guidelines
      - reporting
      - insurance distribution
      - insurance intermediary
      - insurance undertaking
      - advice
      - insurance-based investment product
      - durable medium
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 20
        paragraph: "1"
      - target: Article 24
      - target: Article 27
      - target: Article 28
      - target: Article 23
        paragraph: "1"
      - target: Article 38
    external_references:
      - instrument_type: directive
        reference: "2014/65/EU"
    recitals: []

  - article_number: 31
    article_title: Administrative sanctions and other measures
    chunk_file: /idd/chunks/idd_t07_sanctions_and_other_measures.md
    path: "Title 7 > Article 31"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - insurance
      - insurance_distribution
      - enforcement
      - sanctions
      - competent_authorities
      - reinsurance
    keywords:
      - sanction
      - POS
      - data
      - cross-border
      - insurance distributor
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 33
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
    recitals: []

  - article_number: 32
    article_title: Publication of sanctions and other measures
    chunk_file: /idd/chunks/idd_t07_sanctions_and_other_measures.md
    path: "Title 7 > Article 32"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - enforcement
      - sanctions
      - data_protection
      - competent_authorities
    keywords:
      - sanction
      - POS
      - data
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 33
    article_title: "Breaches, and sanctions and other measures"
    chunk_file: /idd/chunks/idd_t07_sanctions_and_other_measures.md
    path: "Title 7 > Article 33"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - enforcement
      - sanctions
      - reinsurance
      - governance
      - consolidation
    keywords:
      - sanction
      - POS
      - ITS
      - insurance distribution
      - reinsurance distribution
      - insurance intermediary
      - ancillary insurance intermediary
      - reinsurance intermediary
      - insurance undertaking
      - reinsurance undertaking
      - insurance distributor
      - insurance-based investment product
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 3
      - target: Article 10
    external_references:
      - instrument_type: directive
        reference: "2013/34/EU"
    recitals: []

  - article_number: 34
    article_title: Effective application of sanctions and other measures
    chunk_file: /idd/chunks/idd_t07_sanctions_and_other_measures.md
    path: "Title 7 > Article 34"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - enforcement
      - sanctions
    keywords:
      - sanction
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 35
    article_title: Reporting of breaches
    chunk_file: /idd/chunks/idd_t07_sanctions_and_other_measures.md
    path: "Title 7 > Article 35"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - enforcement
      - sanctions
      - reinsurance
    keywords:
      - POS
      - ATM
      - RTS
      - reporting
      - insurance distributor
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 36
    article_title: Submitting information to EIOPA in relation to sanctions and other measures
    chunk_file: /idd/chunks/idd_t07_sanctions_and_other_measures.md
    path: "Title 7 > Article 36"
    applies_to_entities:
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - enforcement
      - sanctions
      - competent_authorities
    keywords:
      - sanction
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 32
        paragraph: "1"
      - target: Article 31
    external_references: []
    recitals: []

  - article_number: 37
    article_title: Data protection
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 37"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
      - data_protection
    keywords:
      - data
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
    recitals: []

  - article_number: 38
    article_title: Delegated acts
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 38"
    applies_to_entities: []
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 39
      - target: Article 25
      - target: Article 28
      - target: Article 29
      - target: Article 30
    external_references: []
    recitals: []

  - article_number: 39
    article_title: Exercise of the delegation
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 39"
    applies_to_entities:
      - european_commission
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords:
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 25
      - target: Article 28
      - target: Article 29
      - target: Article 30
    external_references: []
    recitals: []

  - article_number: 40
    article_title: Transitional period
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 40"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 10
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 40a
    article_title: Accessibility of information on the European single access point
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 40a"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
      - data_protection
    keywords:
      - POS
      - data
      - access
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 32
        paragraph: "1"
      - target: Article 32
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 41
    article_title: Review and evaluation
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 41"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
      - consumer_protection
    keywords:
      - consumer
      - POS
      - ATM
      - cross-border
      - ITS
      - insurance distribution
      - insurance distributor
      - advice
      - insurance-based investment product
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
      - target: Article 1
        paragraph: "5"
      - target: Article 1
        paragraph: "3"
      - target: Article 19
      - target: Article 12
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2014/65/EU"
      - instrument_type: directive
        reference: "2009/138/EC"
    recitals: []

  - article_number: 42
    article_title: Transposition
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 42"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords:
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 43
    article_title: Amendment of Directive 2002/92/EC
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 43"
    applies_to_entities: []
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords: []
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 44
    article_title: Repeal
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 44"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords:
      - POS
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 45
    article_title: Entry into force
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 45"
    applies_to_entities: []
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords:
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 46
    article_title: Addressees
    chunk_file: /idd/chunks/idd_t08_final_provisions.md
    path: "Title 8 > Article 46"
    applies_to_entities:
      - member_states
    topics:
      - insurance
      - insurance_distribution
      - final_provisions
    keywords: []
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []