What changed, Regulation (EU) 2016/445 of the European Central Bank of 14 March 2016 on the exercise of …

2022-04-04 → 2025-08-17 · no interpretation, just the text delta

on 2022-04-04	eu-eurlex:32016r0445:2022-04-04 (2022-04-04 → 2025-08-16) · official source ↗
on 2025-08-17	eu-eurlex:32016r0445:2025-08-17 (2025-08-17 → open) · official source ↗

Open the structured article comparison → matched by provision anchor, with changed, added, removed and unchanged articles separated

143 line(s) in the old middle, 143 in the new; 21 unchanged leading and 7 trailing lines trimmed.

− ### Article 4 — Article 178(1) of Regulation (EU) No 575/2013: Default of an obligor
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− Irrespective of the national treatment prior to the entry into force of this Regulation, credit institutions shall apply the ‘more than 90 days past due’ standard for the categories of exposures specified in Article 178(1)(b) of Regulation (EU) No 575/2013.
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+ ### Article 24a — Article 495e of Regulation (EU) No 575/2013: Transitional arrangements for ECAI credit assessments of institutions
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+ By way of derogation from Article 138, point (g), of Regulation (EU) No 575/2013, institutions may continue using an ECAI credit assessment in relation to an institution which incorporates assumptions of implicit government support until 1 January 2027.

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