CHAPTER 1 General requirements for access to the activity of credit institutions

1. Forbhreathnú

Teideal	Rialáil
Article 8 Authorisation
Airteagal 8a Ceanglais shonracha maidir le húdarú institiúidí creidmheasa dá dtagraítear i bpointe (1)(b) d'Airteagal 4(1) de Rialachán (AE) Uimh. 575/2013
Article 9 Prohibition against persons or undertakings other than credit institutions from carrying out the business of taking deposits or other repayable funds from the public
Airteagal 10 Clár na n-oibríochtaí, struchtúr eagraíochtúil agus socruithe rialachais
Article 11 Economic needs	Article 11 Economic needs Member States shall not require the application for authorisation to be examined in terms of the economic needs of the market.
Article 12 Initial capital
Article 13 Effective direction of the business and place of the head office
Article 14 Shareholders and members
Article 15 Refusal of authorisation	Article 15 Refusal of authorisation Where a competent authority refuses authorisation to commence the activity of a credit institution, it shall notify the applicant of the decision and the reasons therefor within six months of receipt of the application or, where the application is incomplete, within six months of receipt of the complete information required for the decision. A decision to grant or refuse authorisation shall, in any event, be taken within 12 months of the receipt of the application.
Article 16 Prior consultation of the competent authorities of other Member States
Article 17 Branches of credit institutions authorised in another Member State	Article 17 Branches of credit institutions authorised in another Member State Host Member States shall not require authorisation or endowment capital for branches of credit institutions authorised in other Member States. The establishment and supervision of such branches shall be effected in accordance with Article 35, Article 36(1), (2) and (3), Article 37, Articles 40 to 46, Article 49 and Articles 74 and 75.
Article 18 Withdrawal of authorisation	Article 18 Withdrawal of authorisation The competent authorities may only withdraw the authorisation granted to a credit institution where such a credit institution: (a) does not make use of the authorisation within 12 months, expressly renounces the authorisation or has ceased to engage in business for more than six months, unless the Member State concerned has made provision for the authorisation to lapse in such cases; ▼M6 (aa) úsáideann sí a údarú chun na gníomhaíochtaí dá dtagraítear i bpointe (1)(b) d'Airteagal 4(1) de Rialachán (AE) Uimh. 575/2013, agus na gníomhaíochtaí sin amháin, a dhéanamh agus bhí meán a sócmhainní iomlána faoi bhun na dtairseach a leagtar amach san Airteagal sin ar feadh cúig bliana as a chéile; ▼B (b) has obtained the authorisation through false statements or any other irregular means; (c) no longer fulfils the conditions under which authorisation was granted; ▼M5 (d) ní chomhlíonann an institiúid na ceanglais stuamachta a leagtar amach i gCuid a Trí, a Ceathair nó a Sé a thuilleadh, cé is moite de na ceanglais a leagtar síos in Airteagail 92a agus 92b, de Rialachán (AE) Uimh. 575/2013 nó arna bhforchur faoi phointe (a) d'Airteagal 104(1) nó Airteagal 105 den Treoir seo nó ní féidir bheith ag brath ar an institiúid a thuilleadh chun a hoibleagáidí a chomhlíonadh i leith a cuid creidiúnaithe, agus, go háirithe, ní thugann sí urrús a thuilleadh le haghaidh na sócmhainní a chuir a taisceoirí faoina cúram; ▼B (e) falls within one of the other cases where national law provides for withdrawal of authorisation; or (f) commits one of the breaches referred to in Article 67(1); or ▼M11 (g) comhlíonann sí na coinníollacha seo a leanas ar fad: (i) cinneadh go bhfuil sí i mbéal cliseadh nó ar dóigh di cliseadh i gcomhréir le hAirteagal 32(1), pointe (a), de Threoir 2014/59/AE nó i gcomhréir le hAirteagal 18(1), pointe (a), de Rialachán (AE) Uimh. 806/2014; (ii) measann an t-údarás réitigh go gcomhlíontar an coinníoll a leagtar amach in Airteagal 32(1), pointe (b), de Threoir 2014/59/AE nó in Airteagal 18(1), pointe (b), de Rialachán (AE) Uimh. 806/2014 i ndáil leis an institiúid creidmheasa sin; (iii) measann an t-údarás réitigh nach gcomhlíontar an coinníoll a leagtar amach in Airteagal 32(1), pointe (c), de Threoir 2014/59/AE ná in Airteagal 18(1), pointe (c), de Rialachán (AE) Uimh. 806/2014 i ndáil leis an institiúid creidmheasa sin. ▼B
Article 19 Name of credit institutions	Article 19 Name of credit institutions For the purposes of exercising their activities, credit institutions may, notwithstanding any provisions in the host Member State concerning the use of the words “bank”, “savings bank” or other banking names, use throughout the territory of the Union the same name that they use in the Member State in which their head office is situated. In the event of there being any danger of confusion, the host Member State may, for the purposes of clarification, require that the name be accompanied by certain explanatory particulars.
Article 20 Notification of authorisation and withdrawal of authorisation
Article 21 Waiver for credit institutions permanently affiliated to a central body
Airteagal 21a Cuideachtaí sealbhaíochta airgeadais agus cuideachtaí sealbhaíochta airgeadais mheasctha a fhormheas
Airteagal 21b Máthairghnóthas idirmheánach AE
Airteagal 21c Ceanglas brainse a bhunú le haghaidh seirbhísí baincéireachta a sholáthraíonn gnóthais tríú tír	Airteagal 21c Ceanglas brainse a bhunú le haghaidh seirbhísí baincéireachta a sholáthraíonn gnóthais tríú tír 5. Chun cearta faighte atá ag cliaint a chaomhnú faoi chonarthaí atá ann cheana, ní dochar an ceanglas a leagtar síos i mír 1 do chonarthaí atá ann cheana agus a rinneadh roimh an 11 Iúil 2026.

1.1 Tagairtí

1.2 Ceanglais aitheanta

1.3 Caighdeáin ghaolmhara

2. Ceanglais aitheanta

Ceanglais
Foinse	Ceanglas

3. Caighdeáin ghaolmhara

Caighdeáin
Foinse	Ceanglas

Builddate: 11.07.2026 00:00:00 -Doknr: CELEX:32013L0036
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