This is built into the framework: as long as economic and fiscal policies are in the end a matter of national competence and as long as commonly agreed rules are perceived as an intrusion into policies that are seen as genuinely national, the interests of the euro area as a whole will probably not be strong enough to carry the day unless a country is forced to enter a financial assistance programme.
Revising the regulations will require careful consideration in order to strengthen that infrastructure. All of the agencies share the stated purpose of revising the regulations, which is to promote more, not less, CRA activity in underserved areas, as the Comptroller stated in recent testimony.