EU rules on prudential requirements aim to make the financial sector more stable while ensuring it can support the economy.
Bank recovery and resolution
The EU provides a framework for authorities to manage bank failures effectively.
Deposit guarantee schemes
EU legislation protects bank deposits in the case of bank failure.
Structural reform of the EU banking sector
Information on the European Commission's proposal on banking structural reform, which aims to strengthen the stability of the largest banks.
Winding-up of credit institutions
A single bankruptcy procedure can be applied to credit institutions in all EU countries.
Regulating credit rating agencies
In the wake of the financial crisis, the EU adopted rules on credit rating agencies to restore market confidence and increase investor protection.
Prudential rules for investment firms
Many of the prudential requirements applicable to banks also apply to investment firms. The EU is considering if these rules are appropriate for investment firms, or if a new, more targeted set of rules is needed.
The EU is working to integrate and improve the efficiency of the covered bonds market.
Non-performing loans (NPLs)
EU and national authorities are joining forces to address the risks related to high stocks of NPLs in Europe.