It’s the governments and agencies of the Member States which ultimately are responsible for creating excessive regulation; they are the ones that add extra conditions to take into account national circumstances or create exemption or special regimes, which go beyond the requirements of EU directives when transposing them into national law.
One of the most enduring is that interest rates, as far back as we can measure, appear trendless, despite vast changes in technology, life expectancy and economic organization. British long-term government interest rates, for example, mostly ranged between 3% and 6% from the early eighteenth century to the early twentieth century, and are around 5% today.