EU Delegated Regulation on equivalent mechanism for unfinished property under CRR3 published in OJ

The Commission Delegated Regulation (EU) 2026/849 supplementing the Capital Requirements Regulation (EU) No 575/2013 (CRR), as amended by the CRR3, was published in the Official Journal of the European Union (OJ). The Delegated Regulation sets out regulatory technical standards (RTS) specifying what constitutes an equivalent legal mechanism that ensures that a residential property under construction is completed within a reasonable timeframe. It is based on final draft RTS published by the European Banking Authority in August 2025 and was subsequently adopted by the European Commission in April this year. The RTS is covered in more detail in our blog post titled "EC adopts Delegated Regulation on equivalent mechanism for unfinished property under CRR3". The Delegated Regulation enters into force on 12 August, 20 days after its publication in the OJ.

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