https://legal.excellentwiki.com/eu/banking-law/ Recent content in banking law on ExcellentWiki - Legal Encyclopedia Hugo en-US Mon, 06 Jul 2026 00:00:00 +0000 https://legal.excellentwiki.com/eu/banking-law/eu-banking-law/ Mon, 06 Jul 2026 00:00:00 +0000 https://legal.excellentwiki.com/eu/banking-law/eu-banking-law/ <h2 id="the-single-rulebook">The Single Rulebook</h2> <p>The EU Single Rulebook is the cornerstone of European banking regulation, comprising a unified set of prudential rules applicable to all credit institutions in the European Union. The Single Rulebook aims to ensure consistent regulatory treatment across member states and to eliminate regulatory arbitrage. The principal components are the Capital Requirements Directive (CRD IV, Directive 2013/36/EU) and the Capital Requirements Regulation (CRR, Regulation 575/2013), which implement the Basel III standards in EU law. The CRR is directly applicable in all member states, while the CRD IV required transposition into national law. The Single Rulebook also includes the Bank Recovery and Resolution Directive (BRRD, Directive 2014/59/EU), which harmonises resolution tools and powers across the Union, and the Deposit Guarantee Schemes Directive (DGSD, Directive 2014/49/EU), which requires member states to maintain deposit guarantee schemes covering deposits up to €100,000 per depositor.</p>