Dossier · Ordinary legislative procedure
Amending Directive 2014/49/EU as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency
- Reference
- 2023/0115(COD) Ordinary legislative procedure
- Where it stands
- Completed: published in the Official Journal on 20 April 2026 and now EU law.
- Stage
- Published as law
- Lead committee
- Economic and Monetary Affairs ECON
More facts (6)
- Rapporteur
- Kira Marie PETER-HANSEN
- Shadow rapporteurs
- 9 members
- Decisions in plenary
- 1
- Last vote
- 26 Mar 2026 · Approved without a vote
- Versions
- 6 versions
- Opinions from
- JURI, IMCO
Where it stands
The steps of this kind of dossier and how far it has come, from the procedure file.
- Referred to committee (done) 12 March 2026
- Committee work (done) Report adopted 18 March 2026
- Tabled for plenary (done) 19 March 2026
- Plenary vote (done) Voted 26 March 2026
- Negotiations with the Council (done) Deal approved in committee 5 November 2025
- Published as law (done) 20 April 2026
A proposed EU law. Parliament and the Council must agree on the same text: Parliament adopts its position, then negotiates with the Council.
People
Committees and members responsible for the dossier, as the procedure file names them. Groups as recorded there.
- Lead committee
- Economic and Monetary Affairs ECON
- Rapporteur
- Kira Marie PETER-HANSEN (Greens)
- Shadow rapporteurs
- MEP #124780 (ID) former member, Luděk NIEDERMAYER (EPP), Irene TINAGLI (S&D), MEP #197634 (S&D) former member, Auke ZIJLSTRA (Patriots), Roberts ZĪLE (ECR), Gilles BOYER (Renew), Martin SCHIRDEWAN (The Left), Alexander JUNGBLUTH (ESN)
- Opinion: JURI
- Legal Affairs
- Opinion: IMCO
- Internal Market and Consumer Protection
Decisions in plenary, 1
Every decision Parliament took on this dossier, newest first.
| Date | Decision | Kind | Effect | Final vote |
|---|---|---|---|---|
| 26 Mar 2026 | Scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency (DGSD2) | New laws | Approved without a vote | show of hands — no count |
Every roll-call vote on the dossier, in date and voting order, with each group's line at the date of the vote.
No roll-call vote was recorded on this dossier.
Add members’ columns
Versions, 6
The text of the dossier, version by version, newest first. Compare shows what changed between two consecutive versions.
Adopted by Parliament26 Mar 2026
Adopted text TA10-0090/2026 TA-10-2026-0090
Adopted by Parliament24 Apr 2024
Adopted text TA9-0328/2024 TA-9-2024-0328
Tabled for plenary19 Mar 2026
Report A10-0065/2026 A-10-2026-0065
Tabled for plenary25 Mar 2024
Report A9-0154/2024 A-9-2024-0154
Committee draft10 Mar 2026
Draft report (ECON) ECON-PR-785243
Committee draft3 Oct 2023
Draft report (ECON) ECON-PR-753698
AI: Each version in short Written by AI from the official text — check the source
- Adopted text TA10-0090/2026: Parliament approves the Council position at first reading on a directive amending Directive 2014/49/EU on deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency.
- Adopted text TA9-0328/2024: Parliament's amended version of the proposed directive amends Directive 2014/49/EU on deposit guarantee schemes (DGSs). It expands deposit protection to certain financial institutions' client funds and public authorities, and sets temporary high balances protection at EUR 500,000 to EUR 2,500,000 for 6 months.
- Report A10-0065/2026: Parliament approves the Council position at first reading on a directive amending Directive 2014/49/EU on deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency.
- Report A9-0154/2024: Parliament's amended version of the proposed directive amends Directive 2014/49/EU on deposit guarantee schemes (DGSs). It harmonises DGS functions, expands deposit coverage, and sets rules for using DGS funds.
- Draft report (ECON): This draft report recommends that Parliament approve the Council's first-reading position on a directive amending Directive 2014/49/EU on deposit protection, without amendments.
- Draft report (ECON): This draft report proposes amendments to the Commission's proposal amending Directive 2014/49/EU on deposit guarantee schemes (DGSs). It raises the target funding level to 1% of covered deposits, sets a repayment period of less than seven working days, and introduces an EU credit line for DGSs facing liquidity shortfalls.
What changed
Between consecutive versions of the text, newest pair first.
No overview of what changed between versions is available for this dossier. The “Compare” links under Versions show every change between two versions.
Timeline, 24
Every recorded step, newest first, grouped by stage; the latest stage is open.
Outcome 2 steps · 30 Mar 2026–20 Apr 2026
20 April 2026
Published in the Official Journal
The act is now EU law.
30 March 2026
Signed by the Presidents of Parliament and the Council
The last step before the act is published in the Official Journal.
Plenary stage 3 steps · 19 Mar 2026–26 Mar 2026
26 March 2026
Plenary vote
Sitting of 26 Mar 2026 Adopted text TA10-0090/2026Report A10-0065/2026
25 March 2026
Debated in plenary
MEPs debated the text in the chamber ahead of the vote.
Sitting of 25 Mar 2026 Council / Commission text C10-0072/2026Council / Commission text C10-0073/2026Council / Commission text C10-0074/2026Report A10-0065/2026Report A10-0066/2026Report A10-0067/2026
19 March 2026
Report tabled for plenary
This is the text all MEPs vote on. Political groups can still table amendments to it.
Committee stage 3 steps · 10 Mar 2026–18 Mar 2026
18 March 2026
Committee vote: report adopted
ECON (Economic and Monetary Affairs) voted on the amendments and adopted the report that goes to plenary.
12 March 2026
Referred to the ECON (Economic and Monetary Affairs) committee
The lead committee prepares the report; JURI (Legal Affairs), IMCO (Internal Market and Consumer Protection) give an opinion.
10 March 2026
Draft report published
The rapporteur’s first text in ECON (Economic and Monetary Affairs). Members can table amendments before the committee votes.
Negotiations with the Council 10 steps · 17 Dec 2024–5 Nov 2025
5 November 2025
Committee approved the deal reached with the Council
The provisional agreement from the trilogues goes to the whole Parliament for a vote.
25 June 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
5 June 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
22 May 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
28 April 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
25 March 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
12 March 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
4 February 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
14 January 2025
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
17 December 2024
Trilogue meeting
Negotiation between Parliament, Council and Commission on a common text.
Plenary stage 2 steps · 25 Mar 2024–24 Apr 2024
24 April 2024
Plenary vote
Sitting of 24 Apr 2024 Adopted text TA9-0328/2024Report A9-0154/2024
25 March 2024
Report tabled for plenary
This is the text all MEPs vote on. Political groups can still table amendments to it.
Committee stage 4 steps · 10 Jul 2023–20 Mar 2024
20 March 2024
Committee vote: report adopted
ECON (Economic and Monetary Affairs) voted on the amendments and adopted the report that goes to plenary.
6 November 2023
Amendments tabled in committee
Members of ECON (Economic and Monetary Affairs) proposed changes to the draft.
3 October 2023
Draft report published
The rapporteur’s first text in ECON (Economic and Monetary Affairs). Members can table amendments before the committee votes.
10 July 2023
Referred to the ECON (Economic and Monetary Affairs) committee
The lead committee prepares the report; JURI (Legal Affairs), IMCO (Internal Market and Consumer Protection) give an opinion.
Connections
Texts, decisions, people and other dossiers related to this one.
Texts voted on
- Text RECOMMENDATION FOR SECOND READING on the Council position at first reading with a view to the adoption of a directive of the European Parliament and of the Council amending Directive 2014/49/EU as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency Report A10-0065/2026 26 Mar 2026
Dossiers sharing a running issue
- Dossier Appointment of the Executive Director of the European Banking Authority 2026/0901(NLE) · Non-legislative procedure 15 Sept 2026 Appointment approved
- Dossier Banking Union – annual report 2025 2025/2136(INI) · Own-initiative report 30 Apr 2026 Adopted
- Dossier Amending Regulation (EU) No 806/2014 as regards early intervention measures, conditions for resolution and funding of resolution action 2023/0111(COD) · Ordinary legislative procedure 26 Mar 2026 Approved without a vote
- Dossier Amending Directive 2014/59/EU as regards early intervention measures, conditions for resolution and financing of resolution action 2023/0112(COD) · Ordinary legislative procedure 26 Mar 2026 Approved without a vote
- Dossier Appointment of the Vice-Chair of the Supervisory Board of the European Central Bank 2025/0906(NLE) · Non-legislative procedure 10 Feb 2026 Appointment approved
Sources & citation
Where the facts on this page come from, and how to cite it.
- Official source
- Data source
- Licensed CC BY 4.0.
- Retrieved
- 25 September 2026
Cite as
European Parliament (2026). “Amending Directive 2014/49/EU as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency”. Dossier, 26 March 2026. procId 2023-0115, reference 2023/0115(COD). EU Parl Watch Research. https://news.eu-parl.st-solutions.dev/dossiers/2023-0115 (retrieved 25 September 2026). Official source: Procedure file (Legislative Observatory, OEIL), https://oeil.secure.europarl.europa.eu/oeil/en/procedure-file?reference=2023%2F0115(COD). Data: EP Open Data API: procedure record, https://data.europarl.europa.eu/api/v2/procedures/2023-0115 (CC BY 4.0).
BibTeX
@misc{epw-dossier-2023-0115,
author = {{European Parliament}},
title = {{Amending Directive 2014/49/EU as regards the scope of deposit protection, use of deposit guarantee schemes funds, cross-border cooperation, and transparency}},
year = {2026},
date = {2026-03-26},
howpublished = {\url{https://news.eu-parl.st-solutions.dev/dossiers/2023-0115}},
url = {https://news.eu-parl.st-solutions.dev/dossiers/2023-0115},
urldate = {2026-09-25},
publisher = {EU Parl Watch Research},
note = {Dossier. procId 2023-0115, reference 2023/0115(COD). Official source: https://oeil.secure.europarl.europa.eu/oeil/en/procedure-file?reference=2023\%2F0115(COD). Data: EP Open Data API: procedure record (CC BY 4.0)}
}