CSSF

Commission de Surveillance du Secteur Financier

Low Impact

CSSF-CPDI 26/51 launches 30 June 2026 covered-deposits survey

Published

Jul 1, 2026

Topics

Deposit guarantee schemes, Covered deposits, Regulatory reporting, Luxembourg, CPDI, FGDL

Executive Summary

CSSF Circular CSSF-CPDI 26/51 starts the next quarterly CPDI survey on covered deposits, requiring in-scope Luxembourg deposit guarantee scheme members to report the amount of covered deposits held on 30 June 2026. The CSSF states that, compared with the previous quarterly circular, the changes are limited to the reference date and submission deadline, while the attached technical specifications remain unchanged. For business teams this is therefore a routine recurring filing rather than a new prudential requirement, but it still requires accurate deposit data extraction, reconciliation and sign-off against the 30 June 2026 position before submission by 31 July 2026. The practical impact is concentrated in regulatory reporting, finance, deposit operations and data teams responsible for compiling the survey and evidencing timely filing. Firms should update reporting calendars, use the unchanged specification package, validate covered-deposit calculations against current deposit guarantee rules and retain submission evidence. No change to the data model or calculation methodology has been identified from the circular.

What Changed

modifiedSurvey reference date

The preceding quarterly survey used the prior reference date set by the previous CSSF-CPDI circular.

New

Report the amount of covered deposits held on 30 June 2026.

modifiedSubmission deadline

The preceding quarterly survey used the prior deadline set by the previous CSSF-CPDI circular.

New

Submit the completed survey by 31 July 2026.

modifiedTechnical specifications

Specifications attached to the previous quarterly covered-deposits survey circular.

New

The same specifications remain applicable for the 30 June 2026 survey.

Business Impact

Who is affected

Directly affected

Luxembourg institutions that are members of the Fonds de garantie des dépôts Luxembourg and are required to complete the CPDI covered-deposits survey.

Indirectly affected

regulatory reporting, finance, treasury, deposit operations, data management, IT support, compliance oversight and any external service providers supporting the filing.

Jurisdictions

Luxembourg

Business processes

Deposit guarantee scheme reporting, Quarterly regulatory reporting calendar management, Covered-deposit data extraction and reconciliation, Internal review and management sign-off, CSSF/CPDI filing submission and evidence retention

Estimated effort

Low

Compliance risk

Medium

Affected Reports

CPDI quarterly survey on the amount of covered deposits held on 30 June 2026Internal covered-deposits extraction and reconciliation control for the 30 June 2026 positionRegulatory reporting calendar entry for the 31 July 2026 CPDI submission deadlineSubmission evidence and acknowledgement retention control

Field	Validation rule
Reference date	Use 30 June 2026 as the position date for the covered-deposits amount.
Submission deadline	Submit the completed survey by 31 July 2026.
Technical specifications	Apply the unchanged specifications attached to Circular CSSF-CPDI 26/51.

Recommended Actions

7 suggested next steps· derived from source analysis

1
AI generatedStep 1 of 7
Confirm whether the institution is in scope as a Luxembourg deposit guarantee scheme member required to complete the CPDI covered-deposits survey.
2
AI generatedStep 2 of 7
Update the regulatory reporting calendar to reflect the 30 June 2026 reference date and 31 July 2026 submission deadline.
3
AI generatedStep 3 of 7
Use the unchanged CSSF-CPDI specifications and avoid unnecessary template or data-model changes unless internal validation identifies an issue.
4
AI generatedStep 4 of 7
Extract covered-deposit balances as at 30 June 2026 and reconcile them to source deposit, finance and general ledger records before submission.
5
AI generatedStep 5 of 7
Perform documented compliance, finance and business-owner review before filing, with specific attention to covered-deposit eligibility and completeness.
6
AI generatedStep 6 of 7
Retain the filed survey, source data, reconciliations, approvals and any CSSF submission acknowledgement for audit and supervisory evidence.
7
AI generatedStep 7 of 7
Monitor CSSF and CPDI communications for future quarterly circulars or any later specification updates.

Timeline

other

Jun 30, 2026

Reference date for the covered-deposits amount to be reported in the CSSF-CPDI 26/51 survey.

publication

Jul 1, 2026

CSSF published Circular CSSF-CPDI 26/51.

implementation

Jul 31, 2026

Deadline to submit the completed survey for covered deposits held on 30 June 2026.

Sources

AI-generated analysis is based on the following primary sources. Always verify against the official publication.

CircularCSSFJul 1, 2026
Circular CSSF-CPDI 26/51: Survey on the amount of covered deposits held on 30 June 2026 ↗
https://www.cssf.lu/wp-content/uploads/CSSF_CPDI_2651eng.pdf
Official webpageCSSFJul 1, 2026
Circular CSSF-CPDI 26/51 ↗
https://www.cssf.lu/en/Document/circular-cssf-cpdi-26-51/
Official webpageCSSFDate not specified
Deposit Guarantee and Investor Compensation ↗
https://www.cssf.lu/en/deposit-guarantee-and-investor-compensation/
DirectiveEuropean Union / EUR-LexApr 16, 2014
Directive 2014/49/EU on deposit guarantee schemes ↗
https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32014L0049

Related Evidence

Verified source support for this analysis

The evidence agent checks whether the drafted finding is supported by official publications and relevant public source material.

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