Art. 4

in force 2025-12-31 MODIFIED±0§

Amended by Regulation (EU) 2024/1620 32024R1620

applies from: unknown

Sources disagree — the EU's own amendment metadata and the amending act's instructions found this change; the text comparison finds no difference in the provision's text. All are shown; none is overruled.

No explanation shipped — the structural diff did not see this change, so it carries no text; another signal named the unit and the disagreement ships as `disputed`.

in force 2021-06-26 MODIFIED§

Amended by Regulation (EU) 2019/2033 32019R2033

applies from: unknown (the text changed beyond its dates, so no date that moved can be read as the application date)

dates added to the text: 2019-11-27, 2019-12-05

The list of competent authorities in point (2) now ends with a semicolon after item (vii) instead of a full stop, and a new item (viii) has been added covering competent authorities as defined in point (5) of Article 3(1) of Directive (EU) 2019/2034, referenced together with Regulation (EU) 2019/2033.

The earlier version of Article 4 ended its list of competent authorities at item (vii), referring only to bodies and authorities under Article 20 of Directive 2008/48/EC, without any equivalent item (viii).

Cited: Art. 4, v2 · Art. 4, v1

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in force 2020-01-01 MODIFIED§

Amended by Regulation (EU) 2019/2175 32019R2175

applies from: unknown (the text changed beyond its dates, so no date that moved can be read as the application date)

dates added to the text: 2009-09-16, 2012-03-14, 2014-02-04, 2015-04-29 · dates removed: 2014-04-16

The definition of financial institution is rewritten to mean any undertaking subject to regulation and supervision under the legislative acts referred to in Article 1(2), replacing the earlier list naming credit institutions, investment firms, financial conglomerates, payment service providers and electronic money institutions with their own cross-references.

A new point defining financial sector operator by reference to Article 2 of Directive (EU) 2015/849 and to definitions in Regulation (EU) No 1094/2010 and Regulation (EU) No 1095/2010 is added, and the competent authorities list is expanded and reworded, adding a point on Directive (EU) 2015/849 supervisors, a point on deposit guarantee scheme administrative authorities, a new point (vi) naming authorities under Directive 2014/17/EU, Regulation (EU) 2015/751, Directive (EU) 2015/2366, Directive 2009/110/EC and Regulation (EU) No 260/2012, and a new point (vii) naming bodies and authorities under Article 20 of Directive 2008/48/EC.

The point on deposit guarantee schemes and the point on Directive 2014/59/EU and Regulation (EU) No 806/2014 authorities are retained but renumbered and lightly reworded, including changing "defined in Article 3" to "designated in accordance with Article 3" of Directive 2014/59/EU.

Cited: Art. 4, v1 · Art. 4, v2

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in force 2016-01-12 MODIFIED§

Amended by Directive (EU) 2015/2366 32015L2366

applies from: unchanged

The definition of financial institutions in point (1) now cites credit institutions and investment firms by reference to points (1) and (2) of Article 4(1) of Regulation (EU) No 575/2013 instead of the earlier references to Directives 2006/48/EC and 2006/49/EC, and it adds payment service providers as defined in Directive (EU) 2015/2366 and electronic money institutions as defined in Directive 2009/110/EC to the list.

The carve-out for financial institutions is now expressed by reference to Directive (EU) 2015/849 and its points (1) and (2) of Article 3, replacing the prior reference to Directive 2005/60/EC and its Article 3(1) and (2).

Cited: Art. 4, v2 · Art. 4, v1

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in force 2014-08-19 MODIFIED§

Amended by Regulation (EU) No 806/2014 32014R0806

applies from: unknown (the text changed beyond its dates, so no date that moved can be read as the application date)

dates added to the text: 2014-07-15

Sources disagree — the text comparison and the amending act's instructions found this change; the EU's own amendment metadata does not list it. All are shown; none is overruled.

The term defined in point (2) changes from the singular "competent authority" to the plural "competent authorities", with point (i) now also naming the European Central Bank with regard to matters relating to tasks conferred on it by Regulation (EU) No 1024/2013.

Point (iii) changes from identifying a single designated authority under Directive 2014/49/EU to identifying bodies which administer deposit guarantee schemes under that Directive, or, where a private company administers the scheme, the public authority supervising it.

Point (iv) is expanded to add a reference to Regulation (EU) No 806/2014 and now names the resolution authorities defined in Article 3 of Directive 2014/59/EU, the Single Resolution Board, and the Council and the Commission when taking actions under Article 18 of Regulation (EU) No 806/2014, except where they exercise discretionary powers or make policy choices.

Cited: Art. 4, v1 · Art. 4, v2

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in force 2014-07-02 MODIFIED§

Amended by Directive 2014/59/EU 32014L0059

applies from: unknown (the text changed beyond its dates, so no date that moved can be read as the application date)

dates added to the text: 2014-04-16, 2014-05-15

The term defined in point (2) changes from the plural "competent authorities" to the singular "competent authority", and sub-point (i) rephrases its cross-reference to point (40) of Article 4(1) of Regulation (EU) No 575/2013 while adding a reference to being within the meaning of Directives 2007/64/EC and 2009/110/EC, dropping the earlier mention of the European Central Bank and Regulation (EU) No 1024/2013.

Sub-point (iii), which previously referred to bodies or public authorities administering deposit-guarantee schemes under Directive 94/19/EC, is replaced with a reference to a designated authority as defined in Article 2(1)(18) of Directive 2014/49/EU.

A new sub-point (iv) is added, defining a resolution authority by reference to Article 2(1)(18) of Directive 2014/59/EU, which did not appear in the earlier text.

Cited: Art. 4, v1 · Art. 4, v2

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in force 2013-10-30 MODIFIED§

Amended by Regulation (EU) No 1022/2013 32013R1022

applies from: unchanged

Point (2)(i) no longer refers to competent authorities as defined in Directives 2006/48/EC and 2006/49/EC, replacing that reference with a reference to point (40) of Article 4(1) of Regulation (EU) No 575/2013, and it adds mention of the European Central Bank regarding tasks conferred on it by Regulation (EU) No 1024/2013.

The reference to Directive 2007/64/EC and to Directive 2009/110/EC in that same point is retained from the earlier text.

Cited: Art. 4, v2 · Art. 4, v1

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