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The PRA is in the course of deciding what approvals, waivers and modifications it should grant to firms as part of the process of bringing the Solvency II regime into force. These cover internal models, the matching adjustment and a variety of other issues.

Where a firm applies for an approval, waiver or modification and the PRA refuses it or grants it on unfavourable terms, the consequences may be quite serious. In practical terms any appeal or judicial review of the PRA's decision will need to be concluded this year, in order to prevent a major impact on the firm's balance sheet.

We have therefore produced a briefing describing the problem and suggesting what firms affected by it should do.


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