Another option worth considering is the creation of an improved review process as part of the legislative procedure – a mandatory due diligence process,4 if you will. This is already  2  Capital Requirements Directive IV.
3  According to the EU institutions' reading, they are not authorised to make far-reaching exceptions to strengthen the principle of proportionality if those exceptions are not specifically provided for in the relevant sections of the CRR, CRD IV etc.