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EU Capital Requirements Regulation (CRR — Regulation 575/2013)

Sets prudential capital, liquidity, and leverage requirements for banks and investment firms in the EU.

View official source document

Rules extracted

210

Obligations decomposed

14.0x

Avg obligations per rule

🇪🇺 European Union

Jurisdiction

About this regulation

The CRR implements Basel III prudential requirements for credit institutions and investment firms in the EU. It establishes directly applicable rules on own funds, capital requirements for credit risk, market risk, operational risk, leverage ratio, liquidity coverage ratio (LCR), net stable funding ratio (NSFR), large exposures, counterparty credit risk, and Pillar 3 disclosure. Amended by CRR II (Regulation 2019/876) and CRR III (Regulation 2024/1623).

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

210

Obligations

14.0x

Decomposition ratio

Each rule is decomposed into an average of 14.0 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 210 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in CRR is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: EU Capital Requirements Regulation (CRR — Regulation 575/2013)
Regulatory body: European Parliament and Council
Jurisdiction: 🇪🇺 European Union
Document type: regulation
Effective date: January 1, 2014
Issuing authority: European Parliament and Council of the European Union
Industry: Banking & Financial Services
Official source: View source document ↗

Who this applies to

credit institutionsinvestment firmsfinancial holding companiesmixed financial holding companies

Key requirements

own funds (CET1, AT1, Tier 2)
capital ratios (4.5% CET1, 6% T1, 8% total)
credit risk (SA and IRB)
market risk (FRTB)
operational risk
leverage ratio (3%)
liquidity (LCR, NSFR)
large exposures (25% T1)
counterparty credit risk
Pillar 3 disclosure
supervisory reporting

Frequently asked questions about CRR

What is CRR?

Who does CRR apply to?

CRR applies to credit institutions, investment firms, financial holding companies, mixed financial holding companies.

How many obligations does CRR contain?

AuditDSS has decomposed CRR into 210 atomic obligations from 15 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of CRR?

The key requirements include: own funds (CET1, AT1, Tier 2), capital ratios (4.5% CET1, 6% T1, 8% total), credit risk (SA and IRB), market risk (FRTB), operational risk, leverage ratio (3%), liquidity (LCR, NSFR), large exposures (25% T1), counterparty credit risk, Pillar 3 disclosure, supervisory reporting.

How can I assess my CRR compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 210 CRR obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces CRR?

CRR is enforced in European Union by European Parliament and Council.

When did CRR come into effect?

CRR became effective on January 1, 2014.

What industry does CRR apply to?

CRR is primarily relevant to the Banking & Financial Services industry. AuditDSS covers 105 regulations in this industry sector.

Build a CRR compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for CRR — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering CRR requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine CRR with other regulations into a single unified compliance pack for your business.

Build CRR compliance pack

Already have a policy? Assess it against CRR

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 210 obligations

Your document is scored against every obligation in CRR. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.