CHAPTER III - FREEDOM TO PROVIDE SERVICES AND FREEDOM OF ESTABLISHMENT (Article 4-9)Article 4 - Exercise of the freedom to provide services Q&AArticle 5 - Breach of obligations when exercising the freedom to provide services Q&AArticle 6 - Exercise of the freedom of establishment Q&AArticle 7 - Division of competence between home and host Member StatesArticle 8 - Breach of obligations when exercising the freedom of establishmentArticle 9 - Powers in relation to national provisions adopted in the interest of the general good
CHAPTER IV - ORGANISATIONAL REQUIREMENTS (Article 10-16)Article 10 - Professional and organisational requirements RTSQ&AArticle 11 - Publication of general good rules Article 12 - Competent authoritiesArticle 13 - Cooperation and exchange of information between the competent authorities of Member States Article 14 - ComplaintsArticle 15 - Out-of-court redressArticle 16 - Restriction on use of intermediaries
CHAPTER V - INFORMATION REQUIREMENTS AND CONDUCT OF BUSINESS RULES (Article 17-25)Article 17 - General principle Q&AArticle 18 - General information provided by the insurance intermediary or insurance undertakingArticle 19 - Conflicts of interest and transparencyArticle 20 - Advice, and standards for sales where no advice is given IAQ&AArticle 21 - Information provided by ancillary insurance intermediaries Q&AArticle 22 - Information exemptions and flexibility clause Q&AArticle 23 - Information conditions Q&AArticle 24 - Cross-selling Q&AArticle 25 - Product oversight and governance requirements DAQ&AGL
CHAPTER VI - ADDITIONAL REQUIREMENTS IN RELATION TO INSURANCE-BASED INVESTMENT PRODUCTS (Article 26-30)Article 26 - Scope of additional requirementsArticle 27 - Prevention of conflicts of interest DAQ&AArticle 28 - Conflicts of interest DAArticle 29 - Information to customers DAQ&AArticle 30 - Assessment of suitability and appropriateness and reporting to customers DAQ&AGL
CHAPTER VII - SANCTIONS AND OTHER MEASURES (Article 31-36)Article 31 - Administrative sanctions and other measuresArticle 32 - Publication of sanctions and other measuresArticle 33 - Breaches, and sanctions and other measuresArticle 34 - Effective application of sanctions and other measuresArticle 35 - Reporting of breachesArticle 36 - Submitting information to EIOPA in relation to sanctions and other measures
CHAPTER VIII - FINAL PROVISIONS (Article 37-46)Article 37 - Data protectionArticle 38 - Delegated actsArticle 39 - Exercise of the delegationArticle 40 - Transitional periodArticle 41 - Review and evaluationArticle 42 - TranspositionArticle 43 - Amendment of Directive 2002/92/ECArticle 44 - RepealArticle 45 - Entry into forceArticle 46 - Addressees