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This European Financial Regulatory Guide (Guide) is intended for financial institutions who want to take advantage of the public cloud through the IBM Cloud® for Financial Services™. The purpose of this Guide is to highlight key outsourcing, Information and Communications Technology (ICT), and security risk management guidance promulgated by European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA), and the European Securities and Markets Authorities (ESMA).