Cecabank Annual Report 2014

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Regulatory environment
NATIONAL
1T
Bank of Spain Circular
44/2014, on public and
confidential financial
reporting rules, and
standard formats for
financial statements.
2T
Law 10/2014
of 26 June 2014
on the regulation,
supervision and solvency
of credit institutions.
Royal Decree 304/2014,
enacting the Regulation
on the prevention of
money laundering and
terrorist financing.
3T
Law 17/2014, on
urgent measures on the
subject of refinancing
and restructuring of
business debt.
4T
Law 31/2014
amending the Share
Capital Companies
Law to improve
corporate governance.
Law 22/2014,
regulating venture
capital firms, other
collective investment
undertakings of the
closed-ended type, and
management firms for
collective investment
undertakings of the
closed-ended type.
INTERNATIONAL
1T
Directive 2014/17/EU
on credit agreements
for consumers
relating to residential
immovable property.
2T
Directive 2014/59/
EU establishing a
framework for the
recovery and resolution
of credit institutions and
investment firms (BRRD).
Regulation (EU) No
600/2014 on markets
in financial instruments
(MiFIR).
Regulation (EU) No
468/2014 establishing
the framework for
cooperation within
the Single Supervisory
Mechanism.
3T
Directive 2014/92/EU
on the comparability of
fees related to payment
accounts, payment
account switching and
access to payment
accounts with basic
features (PAD).
Regulation (EU) No
806/2014 establishing
uniform rules and
a uniform procedure
for the resolution of
credit institutions and
certain investment
firms in the framework
of a Single Resolution
Mechanism and a Single
Resolution Fund.
4T
Publication of financial
institutions’ stress tests.
Regulation (EU)
2015/81 specifying
uniform conditions of
application of Regulation
(EU) No 806/2014
with regard to ex ante
contributions to the
Single Resolution Fund.
INSTITUTIONAL AGENDA
Main events in 2014
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