In connection with the CRD IV/CRR, banks are confronted with many new regulations. The CRR and CRD IV provide for a large number of delegated acts and implementing acts. These delegated acts and implementing acts (RTS and ITS), which must be prepared by the EBA, specify in detail how competent authorities and institutions are required to fulfil the obligations set forth in the CRR/CRD IV. There are also EBA Guidelines and Q&As. Their task is to ensure uniform interpretation and application of the law. Furthermore, the Banking Act, BaFin’s circulars and guidance notices and other regulations that have not been rescinded, or are still applicable in subsectors, as they contain specific rules that have not been abolished by European regulations, continue to have legal force.