Reform of the CMDI framework that supports completion of the Banking Union

In-Depth Analysis 17-05-2023

The Bank Crisis Management and Deposit Insurance (CMDI) framework should be enhanced with a view to completing the Banking Union. This study recommends harmonizing some key elements of the national bank insolvency regimes, granting the ECB a role in the provision of ELA and introducing improvements to the deposit guarantee schemes framework that could pave the way for the establishment of EDIS in the near future.