Capital Requirements Directive
17/01/2025 → 11/01/2026: 18 inserted · 0 removed · 48 amended · 0 moved · 6 renamed · 233 unchanged
Position-only shifts inside the same heading are not changes. Amended = the printed text changed.
Preamble
Preamble · 1 unchanged
Recitals
Recitals · 107 unchanged
Recital 1 · Recital 2 · Recital 3 · Recital 4 · Recital 5 · Recital 6 · Recital 7 · Recital 8 · Recital 9 · Recital 10 · Recital 11 · Recital 12 · Recital 13 · Recital 14 · Recital 15 · Recital 16 · Recital 17 · Recital 18 · Recital 19 · Recital 20 · Recital 21 · Recital 22 · Recital 23 · Recital 24 · Recital 25 · Recital 26 · Recital 27 · Recital 28 · Recital 29 · Recital 30 · Recital 31 · Recital 32 · Recital 33 · Recital 34 · Recital 35 · Recital 36 · Recital 37 · Recital 38 · Recital 39 · Recital 40 · Recital 41 · Recital 42 · Recital 43 · Recital 44 · Recital 45 · Recital 46 · Recital 47 · Recital 48 · Recital 49 · Recital 50 · Recital 51 · Recital 52 · Recital 53 · Recital 54 · Recital 55 · Recital 56 · Recital 57 · Recital 58 · Recital 59 · Recital 60 · Recital 61 · Recital 62 · Recital 63 · Recital 64 · Recital 65 · Recital 66 · Recital 67 · Recital 68 · Recital 69 · Recital 70 · Recital 71 · Recital 72 · Recital 73 · Recital 74 · Recital 75 · Recital 76 · Recital 77 · Recital 78 · Recital 79 · Recital 80 · Recital 81 · Recital 82 · Recital 83 · Recital 84 · Recital 85 · Recital 86 · Recital 87 · Recital 88 · Recital 89 · Recital 90 · Recital 91 · Recital 92 · Recital 93 · Recital 94 · Recital 95 · Recital 96 · Recital 97 · Recital 98 · Recital 99 · Recital 100 · Recital 101 · Recital 102 · Recital 103 · Recital 104 · Recital 105 · Recital 106 · Recital 107
Title I - SUBJECT MATTER, SCOPE AND DEFINITIONS
- amended Article 2 - Scope Title I
- amended Article 3 - Definitions Title I
Title I · 1 unchanged
Title II - COMPETENT AUTHORITIES
- amended Article 4 - Designation and powers of the competent authorities Title II
- inserted Article 4a - Supervisory independence of competent authorities Title II
Title III - REQUIREMENTS FOR ACCESS TO THE ACTIVITY OF CREDIT INSTITUTIONS
- 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 Title III › Chapter 1
- amended Article 14 - Shareholders and members Title III › Chapter 1
- amended Article 18 - Withdrawal of authorisation Title III › Chapter 1
- amended Article 21a - Approval of financial holding companies and mixed financial holding companies Title III › Chapter 1
- amended Article 21b - Intermediate EU parent undertaking Title III › Chapter 1
- amended Article 22 - Notification and assessment of proposed acquisitions Title III › Chapter 2
- amended Article 23 - Assessment criteria Title III › Chapter 2
- inserted Title III › Chapter 3 - ACQUISITION OR DIVESTITURE OF A MATERIAL HOLDING
- inserted Article 27a - Notification and assessment of the acquisition Title III › Chapter 3
- inserted Article 27b - Assessment criteria Title III › Chapter 3
- inserted Article 27c - Cooperation between competent authorities Title III › Chapter 3
- inserted Article 27d - Notification of divestiture Title III › Chapter 3
- inserted Article 27e - Information obligations and penalties Title III › Chapter 3
- inserted Title III › Chapter 4 - MATERIAL TRANSFERS OF ASSETS AND LIABILITIES
- inserted Article 27f - Notification of material transfers of assets and liabilities Title III › Chapter 4
- inserted Article 27g - Information obligations and penalties Title III › Chapter 4
- inserted Title III › Chapter 5 - MERGERS AND DIVISIONS
- inserted Article 27h - Scope and definitions Title III › Chapter 5
- inserted Article 27i - Notification and assessment of the merger or division Title III › Chapter 5
- inserted Article 27j - Assessment criteria Title III › Chapter 5
- inserted Article 27k - Cooperation between competent authorities Title III › Chapter 5
- inserted Article 27l - Information obligations and penalties Title III › Chapter 5
Title III · 16 unchanged
Article 8 · Article 9 · Article 10 · Article 11 · Article 12 · Article 13 · Article 15 · Article 16 · Article 17 · Article 19 · Article 20 · Article 21 · Article 24 · Article 25 · Article 26 · Article 27
Title V - PROVISIONS CONCERNING THE FREEDOM OF ESTABLISHMENT AND THE FREEDOM TO PROVIDE SERVICES
Title V · 14 unchanged
Article 33 · Article 34 · Article 35 · Article 36 · Article 37 · Article 38 · Article 39 · Article 40 · Article 41 · Article 42 · Article 43 · Article 44 · Article 45 · Article 46
Title VI - RELATIONS WITH THIRD COUNTRIES
- inserted Article 48k - Regulatory and financial information on third-country branches and on the head undertaking Title VI
- inserted Article 48l - Standard forms and templates and frequency of reporting Title VI
Title VI · 2 unchanged
Title VII - PRUDENTIAL SUPERVISION
- amended Article 53 - Professional secrecy Title VII › Chapter 1 › Section II
- amended Article 56 - Exchange of information between authorities Title VII › Chapter 1 › Section II
- amended Article 58 - Transmission of information concerning monetary, deposit protection, systemic and payment aspects Title VII › Chapter 1 › Section II
- amended Article 58a - Transmission of information to international bodies Title VII › Chapter 1 › Section II
- amended Article 63 - Duty of persons responsible for the legal control of annual and consolidated accounts Title VII › Chapter 1 › Section III
- amendedrenamed Article 65 - Administrative penalties, periodic penalty payments and other administrative measures Title VII › Chapter 1 › Section IV was “Article 65 - Administrative penalties and other administrative measures”
- amendedrenamed 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 Title VII › Chapter 1 › Section IV was “Article 66 - Administrative penalties and other administrative measures for breaches of authorisation requirements and requirements for acquisitions of qualifying holdings”
- amended Article 67 - Other provisions Title VII › Chapter 1 › Section IV
- amendedrenamed Article 70 - Effective application of administrative penalties and other administrative measures, and exercise of powers to impose penalties by competent authorities Title VII › Chapter 1 › Section IV was “Article 70 - Effective application of penalties and exercise of powers to impose penalties by competent authorities”
- amended Article 73 - Internal Capital Title VII › Chapter 2 › Section I
- amended Article 74 - Internal governance and recovery and resolution plans Title VII › Chapter 2 › Section II › Subsection 1
- amended Article 75 - Oversight of remuneration policies Title VII › Chapter 2 › Section II › Subsection 1
- amended Article 76 - Treatment of risks Title VII › Chapter 2 › Section II › Subsection 2
- amended Article 77 - Internal Approaches for calculating own funds requirements Title VII › Chapter 2 › Section II › Subsection 2
- amendedrenamed Article 78 - Supervisory benchmarking of approaches for calculating own funds requirements Title VII › Chapter 2 › Section II › Subsection 2 was “Article 78 - Supervisory benchmarking of internal approaches for calculating own funds requirements”
- amended Article 79 - Credit and counterparty risk Title VII › Chapter 2 › Section II › Subsection 2
- amended Article 81 - Concentration risk Title VII › Chapter 2 › Section II › Subsection 2
- amended Article 83 - Market risk Title VII › Chapter 2 › Section II › Subsection 2
- amended Article 85 - Operational risk Title VII › Chapter 2 › Section II › Subsection 2
- inserted Article 87a - Environmental, social and governance risks Title VII › Chapter 2 › Section II › Subsection 2
- amended Article 88 - Governance arrangements Title VII › Chapter 2 › Section II › Subsection 3
- amendedrenamed Article 91 - Management body and suitability assessment Title VII › Chapter 2 › Section II › Subsection 3 was “Article 91 - Management body”
- inserted Article 91a - Key function holders and suitability assessment Title VII › Chapter 2 › Section II › Subsection 3
- amended Article 92 - Remuneration policies Title VII › Chapter 2 › Section II › Subsection 3
- amended Article 94 - Variable elements of remuneration Title VII › Chapter 2 › Section II › Subsection 3
- amended Article 97 - Supervisory review and evaluation Title VII › Chapter 2 › Section III
- amended Article 98 - Technical criteria for the supervisory review and evaluation Title VII › Chapter 2 › Section III
- amended Article 100 - Supervisory stress testing Title VII › Chapter 2 › Section III
- amended Article 101 - Ongoing review of the permission to use internal approaches Title VII › Chapter 2 › Section III
- amended Article 104 - Supervisory powers Title VII › Chapter 2 › Section IV
- amended Article 104a - Additional own funds requirement Title VII › Chapter 2 › Section IV
- amended Article 104b - Guidance on additional own funds Title VII › Chapter 2 › Section IV
- amended Article 106 - Specific publication requirements Title VII › Chapter 2 › Section IV
- renamed Title VII › Chapter 3 › Section I - Application of this Chapter to investment firm groups was “Section I - Principles for conducting supervision on a consolidated basis”
- inserted Article 110a - Scope of application to investment firm groups Title VII › Chapter 3 › Section I
- amended Article 116a - Accessibility of information on the European single access point Title VII › Chapter 3 › Section I
- amendedrenamed Article 121 - Qualification of members of the management body Title VII › Chapter 3 › Section II was “Article 121 - Qualification of directors”
- amended Article 131 - Global and other systemically important institutions Title VII › Chapter 4 › Section I
- amended Article 133 - Requirement to maintain a systemic risk buffer Title VII › Chapter 4 › Section I
- amended Article 142 - Capital Conservation Plan Title VII › Chapter 4 › Section III
Title VII · 65 unchanged
Article 49 · Article 50 · Article 51 · Article 52 · Article 54 · Article 54a · Article 55 · Article 57 · Article 59 · Article 60 · Article 61 · Article 62 · Article 64 · Article 68 · Article 69 · Article 71 · Article 72 · Article 80 · Article 82 · Article 84 · Article 86 · Article 87 · Article 89 · Article 90 · Article 93 · Article 95 · Article 96 · Article 99 · Article 102 · Article 104c · Article 105 · Article 107 · Article 108 · Article 109 · Article 110 · Article 111 · Article 112 · Article 113 · Article 114 · Article 115 · Article 116 · Article 117 · Article 118 · Article 119 · Article 120 · Article 122 · Article 123 · Article 124 · Article 125 · Article 126 · Article 127 · Article 128 · Article 129 · Article 130 · Article 134 · Article 135 · Article 136 · Article 137 · Article 138 · Article 139 · Article 140 · Article 141 · Article 141a · Article 141b · Article 141c
Title VIII - DISCLOSURE BY COMPETENT AUTHORITIES
Title VIII · 2 unchanged
Title IX - DELEGATED AND IMPLEMENTING ACTS
Title IX · 5 unchanged
Article 145 · Article 146 · Article 147 · Article 148 · Article 149
Title X - AMENDMENTS OF DIRECTIVE 2002/87/EC
Title X · 1 unchanged
Title XI - TRANSITIONAL AND FINAL PROVISIONS
- amended Article 161 - Review and report Title XI › Chapter 3
Title XI · 15 unchanged
Article 151 · Article 152 · Article 153 · Article 154 · Article 155 · Article 156 · Article 157 · Article 158 · Article 159 · Article 159a · Article 160 · Article 162 · Article 163 · Article 164 · Article 165