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EU banking law

The Single Supervisory Mechanism is subject to the European banking regulatory framework, which follows the Basel Accords and is harmonised through the single rulebook. This framework applies to all financial institutions in the Single Market.

International standards

Basel III

Basel III is an international regulatory framework that aims to strengthen the regulation, supervision and risk management of the banking sector.

It was developed by the Basel Committee on Banking Supervision and endorsed by the G20 in November 2010.

Basel III standards Basel Committee publications

Basel III is being implemented in the EU through the capital requirements legislative package.

European regulatory framework

Single rulebook

Regulatory activity

The regulatory products of the European Banking Authority (EBA) range from binding technical standards to guidelines, recommendations and opinions. They cover areas such as own funds, recovery and resolution, internal governance and supervisory reporting.

EBA: Regulation and policy

Single rulebook

The single rulebook aims to ensure the consistent application of the regulatory banking framework across the EU. It is an interactive online compendium of the capital requirements package and the corresponding technical standards, namely:

  • Regulatory Technical Standards (RTS)
  • Implementing Technical Standards (ITS)

It also includes EBA guidelines and related Q&As.

EBA: Interactive single rulebook

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EBA: Q&A on the single rulebook
Capital requirements

The capital requirements package transposes Basel III standards into EU law and consists of a regulation and a directive. The package entered into force on 1 January 2014.

Capital Requirements Regulation (CRR)

Capital Requirements Directive (CRD)

CRD

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Recovery and Resolution

Single Resolution Mechanism Regulation

The Single Resolution Mechanism Regulation establishes uniform rules and procedures for the resolution of banks within the framework of a Single Resolution Mechanism and a Single Resolution Fund.

Single Resolution Mechanism Regulation (SRMR)

Memorandum of Understanding between the Single Resolution Board (SRB) and the ECB

Memorandum of Understanding between the SRB and the ECB in respect of cooperation and information exchange.

Memorandum of Understanding

Intergovernmental Agreement

The Intergovernmental Agreement on the transfer and mutualisation of contributions to the Single Resolution Fund.

Intergovernmental Agreement

Bank Recovery and Resolution Directive

The Bank Recovery and Resolution Directive establishes a framework for the recovery and resolution of banks and investment firms.

Bank Recovery and Resolution Directive

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Deposit Guarantee Schemes

The recast of the Directive on Deposit Guarantee Schemes provides better protection for citizens' deposits in the case of bank failures.

Deposit Guarantee Scheme Directive

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European Commission: Deposit Guarantee Schemes
Financial Conglomerates Directive

The Financial Conglomerates Directive sets out the framework of supplementary supervision of financial entities in a financial conglomerate.

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