What changed, Commission Implementing Regulation (EU) 2022/2581 of 20 June 2022 laying down implementing technical standards…

+ ### Article 1 — Submission of the application for authorisation as a credit institution
− ### art_1
+ **1.** Applicants for authorisation as a credit institution shall submit the information set out in Articles 1 to 9 of Delegated Regulation (EU) 2022/2580 to their competent authority by filling in the template set out in the Annex to this Regulation.
− Article 1
+ **2.** Competent authorities shall indicate on their website the contact details for submitting an application for authorisation as a credit institution and shall indicate whether that application is to be submitted in paper format, in electronic form or both.
− 1. Applicants for authorisation as a credit institution shall submit the information set out in Articles 1 to 9 of Delegated Regulation (EU) 2022/2580 to their competent authority by filling in the template set out in the Annex to this Regulation.
+ ### Article 2 — Assessment of completeness of applications for authorisation as a credit institution
− 2. Competent authorities shall indicate on their website the contact details for submitting an application for authorisation as a credit institution and shall indicate whether that application is to be submitted in paper format, in electronic form or both.
+ **1.** Applications for authorisation as a credit institution shall be deemed to be complete if those applications contain all the information required by Delegated Regulation (EU) 2022/2580.
− ### art_2
+ **2.** Where the information provided in the application is assessed and found to be incomplete, the competent authorities shall send, in paper format or by electronic means, a request the applicants concerned indicating the further information required, and shall provide to those applicants the opp…
− Article 2
+ **3.** Upon an application being assessed as complete, the competent authority shall inform the applicant of that fact, together with the date of receipt of the complete application or, as the case may be, the date of receipt of the information that completed the application.
− 1. Applications for authorisation as a credit institution shall be deemed to be complete if those applications contain all the information required by Delegated Regulation (EU) 2022/2580.
+ **4.** Competent authorities may require the applicant to provide additional explanations and supplementary information for the purposes of assessing the application.
− 2. Where the information provided in the application is assessed and found to be incomplete, the competent authorities shall send, in paper format or by electronic means, a request the applicants concerned indicating the further information required, and shall provide to those applicants the opportu…
+ ### Article 3 — Applications for authorisation as a credit institution subject to this Regulation
− 3. Upon an application being assessed as complete, the competent authority shall inform the applicant of that fact, together with the date of receipt of the complete application or, as the case may be, the date of receipt of the information that completed the application.
+ This Regulation shall apply to applications for authorisation as a credit institution submitted on or after 18 July 2023.
− 4. Competent authorities may require the applicant to provide additional explanations and supplementary information for the purposes of assessing the application.
+ ### Article 4 — Entry into force and application
− ### art_3
+ This Regulation shall enter into force on the twentieth day following that of its publication in the *Official Journal of the European Union*.
− Article 3
+ This Regulation shall apply from 18 July 2023.
− This Regulation shall apply to applications for authorisation as a credit institution submitted on or after XX.XX.XXXX.
− 
− ### art_4
− 
− Article 4
− 
− This Regulation shall enter into force on the twentieth day following that of its publication in the Official Journal of the European Union.
− 
− This Regulation shall apply from the XX.XX.XXXX.