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					<dc:identifier>http://www.legislation.gov.uk/eur/2016/445/article/4/adopted</dc:identifier><dc:title>Regulation (EU) 2016/445 of the European Central Bank of 14 March 2016 on the exercise of options and discretions available in Union law (ECB/2016/4)</dc:title><dct:alternative>Regulation (EU) 2016/445 of the European Central Bank</dct:alternative><dc:description>Regulation (EU) 2016/445 of the European Central Bank of 14 March 2016 on the exercise of options and discretions available in Union law (ECB/2016/4)</dc:description><dc:modified>2020-12-12</dc:modified><dc:publisher>King's Printer of Acts of Parliament</dc:publisher><dc:source>https://webarchive.nationalarchives.gov.uk/eu-exit/https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32016R0445</dc:source><dc:type>text</dc:type><dc:format>text/xml</dc:format><dc:language>en</dc:language>
					
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               <Strong>CAPITAL REQUIREMENTS</Strong>
            </Title><P1group><Title>Article 178(1) of Regulation (EU) No 575/2013: Default of an obligor</Title><P1 DocumentURI="http://www.legislation.gov.uk/eur/2016/445/article/4/adopted" IdURI="http://www.legislation.gov.uk/id/eur/2016/445/article/4" id="article-4">
                  <Pnumber>Article 4</Pnumber>
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                     <Text>Irrespective of the national treatment prior to the entry into force of this Regulation, credit institutions shall apply the ‘more than 90 days past due’ standard for the categories of exposures specified in Article 178(1)(b) of Regulation (EU) No 575/2013.</Text>
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