Thanking the staff involved in the preparation of this commemorative event, I want to wish all of you and your families the very best of good health and the greatest happiness. Thank you. 3/3  BIS central bankers' speeches
575/2013 (CRR) and Directive 2013/36/EU (CRD IV) came into effect on 1 January 2014. The CRR is directly applicable to all Member States while CRD IV has been transposed into Irish national law via Statutory Instruments 158/2014 [European Union (Capital Requirements) Regulations 2014] & 159/2014 [European Union (Capital Requirements) (No.2) Regulations 2014]. Further information available here.