Regulation (EU) 2016/445 Article 4

Article 178(1) of Regulation (EU) No 575/2013: Default of an obligor

Article 4

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.

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Compiled from an official source version. Later amendments or repeals may not be reflected; the official text prevails. · Read the official text ↗ · Data as of 2026-07-04

CitationArticle 4 of Regulation (EU) 2016/445 (LawPlayer, data as of 2026-07-04)

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