Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II)

What Directive 2009/138/EC of the European Parliament and of the Council of 25 November 2009 on the taking-up and pursuit of the business of Insurance and Reinsurance (Solvency II) requires

This directive establishes a risk-based capital and governance framework for EU insurance and reinsurance undertakings, requiring them to maintain a Solvency Capital Requirement (SCR) and a Minimum Capital Requirement (MCR) as defined in Articles 101 and 129, respectively, and to implement a comprehensive system of governance under Article 41.

Pillar: Banking & Global Finance · Authority: European Parliament and the Council of the European Union · Version: 1.0.0 · Last updated: 2026-04-18

Primary source: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32009L0138

SHA-256 integrity: 9e9c0b98c760c81d8625e900f41eba87b8191b8a3a0758e4f8de89fc093dec2f

Primary Citations — 7 traced to source

• Directive 2009/138/EC, Article 41 - General governance requirements
• Directive 2009/138/EC, Article 45 - Own risk and solvency assessment (ORSA)

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