What changes on 11/01/2026

The text in force from 17/01/2025 compared with the text from 11/01/2026.

Read the act as of 11/01/2026 · other versions: 28/06/2021 · 01/01/2022 · 09/01/2024 · 29/07/2024 · 30/12/2024 · 17/01/2025 · 11/07/2026

Title I

• amended Article 2 - Scope
• amended Article 3 - Definitions

Title II

• inserted Article 4a - Supervisory independence of competent authorities
• amended Article 4 - Designation and powers of the competent authorities

Title III › Chapter 1

• amended Article 8a - Specific requirements for authorisation of credit institutions referred to in point (1)(b) of Article 4(1) of Regulation (EU) No 575/2013
• amended Article 14 - Shareholders and members
• amended Article 18 - Withdrawal of authorisation
• amended Article 21a - Approval of financial holding companies and mixed financial holding companies
• amended Article 21b - Intermediate EU parent undertaking

Title III › Chapter 2

• amended Article 22 - Notification and assessment of proposed acquisitions
• amended Article 23 - Assessment criteria

Title III › Chapter 3

• inserted Article 27a - Notification and assessment of the acquisition
• inserted Article 27b - Assessment criteria
• inserted Article 27c - Cooperation between competent authorities
• inserted Article 27d - Notification of divestiture
• inserted Article 27e - Information obligations and penalties

Title III › Chapter 4

• inserted Article 27f - Notification of material transfers of assets and liabilities
• inserted Article 27g - Information obligations and penalties

Title III › Chapter 5

• inserted Article 27h - Scope and definitions
• inserted Article 27i - Notification and assessment of the merger or division
• inserted Article 27j - Assessment criteria
• inserted Article 27k - Cooperation between competent authorities
• inserted Article 27l - Information obligations and penalties

Title VI

• inserted Article 48k - Regulatory and financial information on third-country branches and on the head undertaking
• inserted Article 48l - Standard forms and templates and frequency of reporting

Title VII › Chapter 1 › Section II

• amended Article 53 - Professional secrecy
• amended Article 56 - Exchange of information between authorities
• amended Article 58 - Transmission of information concerning monetary, deposit protection, systemic and payment aspects
• amended Article 58a - Transmission of information to international bodies

Title VII › Chapter 1 › Section III

• amended Article 63 - Duty of persons responsible for the legal control of annual and consolidated accounts

Title VII › Chapter 1 › Section IV

• amended Article 65 - Administrative penalties, periodic penalty payments and other administrative measures
• amended Article 66 - Administrative penalties, periodic penalty payments and other administrative measures for breaches of authorisation requirements and requirements for acquisitions or divestiture of material holdings, material transfers of assets and liabilities, mergers or divisions
• amended Article 67 - Other provisions
• amended Article 70 - Effective application of administrative penalties and other administrative measures, and exercise of powers to impose penalties by competent authorities

Title VII › Chapter 2 › Section I

• amended Article 73 - Internal Capital

Title VII › Chapter 2 › Section II › Subsection 1

• amended Article 74 - Internal governance and recovery and resolution plans
• amended Article 75 - Oversight of remuneration policies

Title VII › Chapter 2 › Section II › Subsection 2

• inserted Article 87a - Environmental, social and governance risks
• amended Article 76 - Treatment of risks
• amended Article 77 - Internal Approaches for calculating own funds requirements
• amended Article 78 - Supervisory benchmarking of approaches for calculating own funds requirements
• amended Article 79 - Credit and counterparty risk
• amended Article 81 - Concentration risk
• amended Article 83 - Market risk
• amended Article 85 - Operational risk

Title VII › Chapter 2 › Section II › Subsection 3

• inserted Article 91a - Key function holders and suitability assessment
• amended Article 88 - Governance arrangements
• amended Article 91 - Management body and suitability assessment
• amended Article 92 - Remuneration policies
• amended Article 94 - Variable elements of remuneration

Title VII › Chapter 2 › Section III

• amended Article 97 - Supervisory review and evaluation
• amended Article 98 - Technical criteria for the supervisory review and evaluation
• amended Article 100 - Supervisory stress testing
• amended Article 101 - Ongoing review of the permission to use internal approaches

Title VII › Chapter 2 › Section IV

• amended Article 104 - Supervisory powers
• amended Article 104a - Additional own funds requirement
• amended Article 104b - Guidance on additional own funds
• amended Article 106 - Specific publication requirements

Title VII › Chapter 3 › Section I

• inserted Article 110a - Scope of application to investment firm groups
• amended Article 116a - Accessibility of information on the European single access point

Title VII › Chapter 3 › Section II

• amended Article 121 - Qualification of members of the management body

Title VII › Chapter 4 › Section I

• amended Article 131 - Global and other systemically important institutions
• amended Article 133 - Requirement to maintain a systemic risk buffer

Title VII › Chapter 4 › Section III

• amended Article 142 - Capital Conservation Plan

Title XI › Chapter 3

• amended Article 161 - Review and report

Outside any heading

• amended Annex I - LIST OF ACTIVITIES SUBJECT TO MUTUAL RECOGNITION