Journal of
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Archive » April 2026 » The positive regulation of banking

The positive regulation of banking

Antonio Patuelli
April 2026 - n. 4
Keywords: Banche, regolamentazione, Unione bancaria europea
Jel codes: G21, G28

European legislation has expanded into a complex labyrinth of rules, competencies and responsibilities, with overlapping provisions and little proportionality for banks of different nature and sizes. There is a need for rationalisation through Consolidated legislation and European codes that unify and simplify the excessive number of regulations into a single European framework, including tax rules. In the face of new calls for deregulation from the Us – the source of several past global financial crises – there is a fresh atmosphere in Europe in favour of simplification without undermining the resilience and stability of banks.

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