CRD IV

Definition:

Im Dezember 2010 hat der Basler Ausschuss für Bankenaufsicht unter dem Arbeitstitel Basel III eine umfassende Überarbeitung des aufsichtlichen Rahmens verabschiedet.

Zur Übernahme in die nationale Gesetzgebung hat die EU-Kommission im Juli 2011 einen Vorschlag vorgestellt, der häufig mit CRD IV bezeichnet wird. Der Vorschlag besteht allerdings aus zwei Dokumenten: aus der Richtlinie 2013/36/EU (Directive), die durch das sogenannte CRD-IV-Umsetzungsgesetz vom 28. August 2013 (BGBl. I S. 3395) in nationales Recht umgesetzt wurde, und der Verordnung (EU) Nr. 575/2013 (Regulation), welche unmittelbar anzuwenden ist. Beide sind laut Mitteilung der EU-Kommission am 17. Juli 2013 in Kraft getreten, wobei die neuen Regeln zur Ermittlung der angemessenen Kapitalausstattung ab 1. Januar 2014 anzuwenden sind.

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