# CRR: Capital Requirements Regulation Source page: https://protegra.io/licensing/laws/eu-crr-575-2013/ The CRR, Regulation (EU) No 575/2013, is the EU rulebook for how much capital and liquidity banks must hold. It requires own funds of at least 8% of risk-weighted exposures, including 4.5% Common Equity Tier 1, and sets large-exposure, liquidity and disclosure rules that apply directly in every member state. ## At a glance | Official title | Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 [1] | | --- | --- | | English title | Capital Requirements Regulation | | Citation | Regulation (EU) No 575/2013 | | Jurisdiction | European Union (applies in every EU/EEA state) | | Type | regulation | | Adopted | 2013-06-26 | | In force from | 2013-06-28 | | Status | In force, as amended (CRR II, CRR III) | ## Full text **Official full text:** [Capital Requirements Regulation (PDF, en)](https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32013R0575) [1] · 3,461 KB · file checked 2026-09-24 Official page: [eur-lex.europa.eu](https://eur-lex.europa.eu/eli/reg/2013/575/oj) [1] ## Summary The CRR sets the directly applicable prudential requirements for banks in the EU: how much and what kind of capital they must hold against credit, market and operational risk, large-exposure limits, liquidity requirements and public disclosure. Together with the CRD it implements the Basel framework in EU law. Summary written by the Atlas from the official text; the law itself prevails. ## Main articles - **Art. 92**: Own funds requirements: Common Equity Tier 1 of 4.5%, Tier 1 of 6% and total capital of 8% of risk-weighted exposures. - **Part Four**: Large exposures. - **Part Six**: Liquidity. - **Part Eight**: Disclosure. ## Licences it governs - [Bank · GermanyCredit institution licence (Erlaubnis zum Betreiben von Bankgeschäften nach § 32 KWG / CRR)BaFin](https://protegra.io/licensing/licences/bank/germany/) - [Bank · EstoniaCredit institution authorisation (bank)FI](https://protegra.io/licensing/licences/bank/estonia/) - [Bank · SpainEntidad de crédito (Banco) / Commercial bank licenceBdE](https://protegra.io/licensing/licences/bank/spain/) - [Bank · LithuaniaSpecialised bank licenceLB](https://protegra.io/licensing/licences/bank/lithuania-specialised/) - [Bank · LithuaniaBank licenceLB](https://protegra.io/licensing/licences/bank/lithuania/) - [Bank · LuxembourgCredit institution authorisationCSSF](https://protegra.io/licensing/licences/bank/luxembourg/) - [Bank · LatviaCredit institution licence (bank)LB](https://protegra.io/licensing/licences/bank/latvia/) - [Bank · MaltaCredit institution licenceMFSA](https://protegra.io/licensing/licences/bank/malta/) - [Bank · NetherlandsBank licence (Vergunning bank / kredietinstelling)DNB](https://protegra.io/licensing/licences/bank/netherlands/) - [IF · GermanyInvestment firm licence (Erlaubnis zur Erbringung von Wertpapierdienstleistungen nach § 15 WpIG)BaFin](https://protegra.io/licensing/licences/investment-firm/germany/) - [IF · EstoniaAuthorisation as an investment firmFI](https://protegra.io/licensing/licences/investment-firm/estonia/) - [IF · LithuaniaFinancial brokerage firm licenceLB](https://protegra.io/licensing/licences/investment-firm/lithuania/) - [IF · LuxembourgInvestment firm authorisationCSSF](https://protegra.io/licensing/licences/investment-firm/luxembourg/) - [IF · LatviaInvestment firm licenceLB](https://protegra.io/licensing/licences/investment-firm/latvia/) - [IF · MaltaInvestment services licence (Category 1, 2, or 3)MFSA](https://protegra.io/licensing/licences/investment-firm/malta/) - [Credit · SpainEstablecimiento financiero de crédito (EFC) / Specialized lending credit institution authorizationBdE](https://protegra.io/licensing/licences/lending/spain-efc/) ## Regulators that apply it - [GermanyFederal Financial Supervisory Authority (BaFin)BaFin operates as Germany's unified federal financial supervisor under the Federal Ministry of Finance, supervising credit institutions, fin](https://protegra.io/licensing/regulators/bafin-germany/) - [SpainBank of Spain (BdE)Banco de España is Spain's national central bank and banking supervisor, operating as an integral part of the European System of Central Ban](https://protegra.io/licensing/regulators/banco-de-espana/) - [LithuaniaBank of Lithuania (LB)The Bank of Lithuania operates as the central bank of the Republic of Lithuania and member of the Eurosystem, conducting integrated prudenti](https://protegra.io/licensing/regulators/bank-of-lithuania/) - [LuxembourgCommission de Surveillance du Secteur Financier (CSSF)The CSSF operates as the unified public supervisory authority for the Luxembourg financial centre, conducting prudential supervision and mar](https://protegra.io/licensing/regulators/cssf-luxembourg/) - [NetherlandsDe Nederlandsche Bank (DNB)De Nederlandsche Bank acts as the central bank of the Netherlands and integral member of the Eurosystem and ESCB, exercising prudential supe](https://protegra.io/licensing/regulators/dnb-netherlands/) - [European UnionEuropean Banking Authority (EBA)The European Banking Authority is an independent EU agency that creates the European Single Rulebook for banking and payments, fosters super](https://protegra.io/licensing/regulators/eba/) - [EstoniaFinantsinspektsioon (FI)Finantsinspektsioon is Estonia's independent financial supervision and crisis resolution authority operating with autonomous responsibilitie](https://protegra.io/licensing/regulators/finantsinspektsioon-estonia/) - [LatviaLatvijas Banka (LB)Latvijas Banka is the central bank of the Republic of Latvia and member of the Eurosystem, operating as the single integrated financial supe](https://protegra.io/licensing/regulators/latvijas-banka/) - [MaltaMalta Financial Services Authority (MFSA)The Malta Financial Services Authority is the single autonomous financial regulator in Malta, entrusted with prudential and conduct supervis](https://protegra.io/licensing/regulators/mfsa-malta/) ## Sources 1. [eur-lex.europa.eu: TXT (32013R0575)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32013R0575): retrieved 2026-09-24 Last verified 2026-09-24 · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.