Revision of the Capital Requirements Directives (CRD IV): On 20 July 2011, the Commission adopted a legislative package to strengthen the regulation of the banking sector. The proposal replaces the current Capital Requirements Directives (2006/48 and 2006/49) with a Directive and a Regulation and constitutes another major step towards creating a sounder and safer financial system. The directive governs the access to deposit-taking activities while the regulation establishes the prudential requirements institutions need to respect.

• Press release (20.07.2011)
• FAQs
• Citizens’ summary
• Commission Proposal for a Directive (Provisional version. The final text will be available soon)
• Impact Assessment: + Executive Summary + Full text
• Commission Proposal for a Regulation: Part 1 – Part 2 – Part 3 (Provisional version. The final text will be available soon)
• Impact Assessment: + Executive Summary + Full text
• Related postings on financial system