I should say that while this is a reason for concern and bears continual monitoring, the evidence so far does not suggest a heightened threat of financial instability in the post-financial-crisis United States stemming from ultralow interest rates.
Article 127(6) of the Treaty on the Functioning of the European Union and the SSM Regulation clearly define these limitations. A simple recital cannot change these; only a Treaty change can. Re-labelling financial product supervision tasks as prudential tasks won’t do the trick. What’s more, assigning financial product supervision to the ECB could result in conflicting responsibilities.