{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"current_only","held_since":"2024-02-05","gaps":[],"covered":["ESMA Q&A 2099 — Q&A — The activities of credit bureaus [Question Rejected] L3"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":"2026-10-26","checked_against":"the ESMA publication"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies","url":"https://www.headlesslaw.com/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies","title":"ESMA Q&A 2099 — Q&A — The activities of credit bureaus [Question Rejected]","family":"l3","work_id":"spaces/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies","status":"question rejected","force_status":null,"date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":"ESMA Q&A register, 5 February 2024","check":{"against":"the ESMA publication","on":"2026-10-26"},"check_result":"matched","official_url":"https://www.esma.europa.eu/publications-data/questions-answers/2099","valid_from":"0001-01-01","valid_until":null,"revision":1,"content_id":"0c15d31820613d59","change_date":null,"nearest_versions":["2024-02-05"],"first_text_date":null,"correction_applies":false,"versions":["2024-02-05"],"version_url":"https://www.headlesslaw.com/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies/versions/2024-02-05","revision_url":"https://www.headlesslaw.com/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies/versions/2024-02-05/rev/0c15d31820613d59","versions_url":"https://www.headlesslaw.com/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies/versions","relations_url":"https://www.headlesslaw.com/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies/relations","source_line":"Question published in the ESMA Q&A tool · no answer · not legislation [Question Rejected]","attribution":{"prepared_by":"not stated in the document","published_by":"ESMA","published_in":"ESMA Q&A tool","document_type":"qa_question","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"question_submitted_on":"2024-02-05","locators":{"question_submitted_on":"ESMA Q&A Excel export ESMA_QA_2099, column 'Date of submission'"}},"adoption":null}},"provenance":{"official_url":"https://www.esma.europa.eu/publications-data/questions-answers/2099","check":{"result":"matched","checked_at":"2026-10-26","against":"the ESMA publication"},"repo_path":"spaces/dora/level-3/q-and-a/esma/esma-qa-2099-the-activities-of-credit-bureaus-credit-reporting-agencies.md","body_sha256":"cccac39dd40139556ef726e5fac7684116cb2958e7f6c56bc96c43e65c677445"},"units":[],"markdown":"---\ntitle: \"ESMA Q&A 2099 — Q&A — The activities of credit bureaus [Question Rejected]\"\nshortTitle: \"ESMA Q&A 2099 — Q&A — The activities of credit bureaus [Question Rejected]\"\nanswer_id: ESMA_QA_2099\ntopic: \"Other DORA topics\"\nstatus: \"Question Rejected\"\ntype: qa\ninstrument_type: qa\nauthority: ESMA\nbinding: false\nbinding_character: non_binding\nlegal_status: withdrawn\nregulation: \"DORA\"\ndora_level3: true\nmica_level2: false\nlegal_basis: \"Article 3 (21)\"\ndate: 5 February 2024\nsource_link: https://www.esma.europa.eu/publications-data/questions-answers/2099\nlifecycle: \"Question Rejected\"\ntext_version: \"ESMA Q&A register, 5 February 2024\"\nsource_url: \"https://www.esma.europa.eu/publications-data/questions-answers/2099\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the ESMA publication\"\nsource:\n  prepared_by: \"not stated in the document\"\n  published_by: \"ESMA\"\n  published_in: \"ESMA Q&A tool\"\n  evidence:\n    prepared_by: \"ESMA_QA_2099\"\n    locator: \"ESMA Q&A entry ESMA_QA_2099: no answer; no author named\"\ndocument_type: \"qa_question\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  question_submitted_on: \"2024-02-05\"\n  locators:\n    question_submitted_on: \"ESMA Q&A Excel export ESMA_QA_2099, column 'Date of submission'\"\nlifecycle_label: \"Question Rejected\"\n---\n\n**Question published in the ESMA Q&A tool · no answer · not legislation [Question Rejected]**\n\n*Question Rejected · ESMA Q&A register, 5 February 2024 · Checked against the ESMA publication on 26 Oct 2026 · [Official source](https://www.esma.europa.eu/publications-data/questions-answers/2099)*\n\n| | |\n|---|---|\n| **Full title** | ESMA Q&A 2099 — Q&A — The activities of credit bureaus \\[Question Rejected\\] |\n| **Prepared by** | Not stated in the document |\n| **Published by** | ESMA, in the ESMA Q&A tool |\n| **Reference** | ESMA_QA_2099 |\n| **Document type** | Q&A |\n| **Legal nature** | No answer · not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Question submitted 5 February 2024 |\n| **Legal basis** | Article 3 (21) |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the ESMA publication |\n\n**The activities of credit bureaus (credit reporting agencies)**\n\n### Question\n\nThe activities of credit bureaus (credit reporting agencies) are not directly referenced within the scope of DORA. These services may not traditionally seen as \"ICT Services\", but they could be interpreted as \"data services provided through ICT systems\". Are these intended to be within scope for ICT services?\n\n***\n\n**Source:** [ESMA original document](https://www.esma.europa.eu/publications-data/questions-answers/2099)\n"}