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ORSA vs ORA [5]

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Bullet points include: Solvency II. Maximum harmonisation Directive. Extensive role for EU Commission and EIOPA in formulating and setting guidelines. Has led to Delegated Regulation (Level 2), implementing technical standards (Level 3), … Harmonises solvency requirements across EU (for single market). IORP II. Minimum harmonisation Directive, see IORP II Recital (3). Much less scope for EIOPA to create binding guidance. Social and labour law reserved to member states

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