# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: dgs
celex: "32014L0049"
eli: "http://data.europa.eu/eli/dir/2014/49/oj"
full_title: Deposit Guarantee Schemes Directive 2014/49/EU
short_title: DGS
instrument_type: directive
document_type: directive
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2014-07-02"
  to: null
dates:
  adopted: "2014-04-16"
  entered_into_force: "2014-07-02"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 23
total_recitals: 56
total_annexes: 3
definitions_article: 2
chunk_strategy: by_chapter
chunks:
  - /dgs/chunks/recitals.md
  - /dgs/chunks/dgs_t01.md
  - /dgs/chunks/annexes.md
key_dates:
  - date: "2014-04-16"
    type: lifecycle
    context: "Adopted"
  - date: "2014-07-02"
    type: deadline
    article: "19"
    context: "…to be covered until their initial maturity date if they were paid in or issued before 2 July 2014. 2. Member States shall ensure that…"
  - date: "2014-07-02"
    type: lifecycle
    context: "Entered into force"
  - date: "2015-07-03"
    type: deadline
    article: "13"
    context: "…approved. 3. In order to ensure consistent application of this Directive, EBA shall, by 3 July 2015, issue guidelines pursuant to Article…"
  - date: "2015-07-03"
    type: deadline
    article: "14"
    context: "…shall inform the Commission and EBA of the identity of their designated authority by 3 July 2015. 8. EBA shall cooperate with the…"
  - date: "2015-07-03"
    type: deadline
    article: "20"
    context: "…(5), (6), (7) and (9) Article 9(2) and (3), Articles 10 to 16, 18 and 19 and Annex I by 3 July 2015. They shall forthwith communicate to…"
  - date: "2015-07-04"
    type: application
    article: "22"
    context: "…Article 7(1), (2) and (3), Article 8(8), Article 9(1) and Article 17 shall apply from 4 July 2015."
  - date: "2016-05-31"
    type: deadline
    article: "20"
    context: "…and administrative provisions necessary for them to comply with Article 8(4) by 31 May 2016. If, after a thorough examination,…"
  - date: "2017-07-03"
    type: deadline
    article: "4"
    context: "…three years and more frequently where appropriate. The first test shall take place by 3 July 2017. Based on the results of the stress…"
  - date: "2017-07-03"
    type: review
    article: "13"
    context: "…for risk weights assigned to specific risk classes, and other necessary elements. By 3 July 2017 and at least every five years…"
  - date: "2018-12-31"
    type: deadline
    article: "19"
    context: "…of between EUR 100 000 and EUR 300 000, may reapply that higher coverage level until 31 December 2018. In that case, the target level and…"
  - date: "2018-12-31"
    type: deadline
    article: "8"
    context: "…2023, establish the following repayment periods of up to: (a) 20 working days until 31 December 2018; (b) 15 working days from 1 January…"
  - date: "2019-07-03"
    type: review
    article: "19"
    context: "…and the contributions of the credit institutions shall be adjusted accordingly. 5. By 3 July 2019, the Commission shall submit a…"
  - date: "2019-07-04"
    type: application
    article: "21"
    context: "…94/19/EC as amended by the Directives listed in Annex II is repealed with effect from 4 July 2019 without prejudice to the obligations…"
  - date: "2020-07-03"
    type: review
    article: "6"
    context: "…and monetary situation in the Union. The first review shall not take place before 3 July 2020 unless unforeseen events necessitate…"
  - date: "2020-12-31"
    type: deadline
    article: "8"
    context: "…20 working days until 31 December 2018; (b) 15 working days from 1 January 2019 until 31 December 2020; (c) 10 working days from 1 January…"
  - date: "2023-12-31"
    type: deadline
    article: "8"
    context: "…(8)(b) of Article 2(1). 2. However, Member States may, for a transitional period until 31 December 2023, establish the following repayment…"
  - date: "2024-07-03"
    type: deadline
    article: "10"
    context: "…prevent additional financing from other sources. 2. Member States shall ensure that, by 3 July 2024, the available financial means of a…"

generated_at: "2026-09-08T12:36:53.631Z"

articles:
  - article_number: 1
    article_title: Subject matter and scope
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - credit_institutions
      - member_states
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - POS
      - scheme
      - deposit guarantee schemes
      - dgss
      - institutional protection schemes
      - ips
      - deposit
      - credit institution
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 4
        paragraph: "2"
      - target: Article 16
        paragraph: "5"
      - target: Article 16
        paragraph: "7"
      - target: Article 6
        paragraph: "1"
    external_references: []
    recitals:
      - 32

  - article_number: 2
    article_title: Definitions
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 2"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - API
      - transaction
      - POS
      - third party
      - branch
      - scheme
      - ITS
      - deposit guarantee schemes
      - dgss
      - institutional protection schemes
      - ips
      - deposit
      - eligible deposits
      - covered deposits
      - depositor
      - joint account
      - unavailable deposit
      - credit institution
      - target level
      - available financial means
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
        paragraph: "2"
      - target: Article 5
      - target: Article 6
      - target: Article 10
        paragraph: "2"
      - target: Article 8
        paragraph: "1"
      - target: Article 10
        paragraph: "3"
      - target: Article 5
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals:
      - 10

  - article_number: 3
    article_title: Relevant administrative authorities
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 3"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - POS
      - ITS
      - deposit
      - credit institution
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "8"
    external_references: []
    recitals: []

  - article_number: 4
    article_title: "Official recognition, membership and supervision"
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 4"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - deposit_guarantee
      - banking
      - authorisation
      - competent_authorities
    keywords:
      - supervision
      - POS
      - data
      - consent
      - cross-border
      - system
      - scheme
      - ITS
      - EBA
      - dgss
      - ips
      - deposit
      - depositor
      - credit institution
      - home member state
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
        paragraph: "2"
      - target: Article 1
      - target: Article 5
        paragraph: "4"
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "95/46/EC"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals:
      - 10

  - article_number: 5
    article_title: Eligibility of deposits
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 5"
    applies_to_entities:
      - credit_institutions
      - member_states
      - financial_entities
    topics:
      - deposit_guarantee
      - banking
      - own_funds
      - insurance
      - reinsurance
      - aml
      - investment_funds
    keywords:
      - transaction
      - POS
      - scheme
      - ITS
      - deposit
      - eligible deposits
      - credit institution
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 7
        paragraph: "3"
      - target: Article 6
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2005/60/EC"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2005/60/EC"
      - instrument_type: directive
        reference: "2009/138/EC"
    recitals:
      - 54

  - article_number: 6
    article_title: Coverage level
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 6"
    applies_to_entities:
      - member_states
      - european_commission
      - consumers
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - consumer
      - transaction
      - transfer
      - POS
      - scheme
      - ITS
      - deposit
      - depositor
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "8"
      - target: Article 18
    external_references: []
    recitals: []

  - article_number: 7
    article_title: Determination of the repayable amount
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 7"
    applies_to_entities:
      - credit_institutions
      - member_states
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - POS
      - third party
      - ITS
      - dgss
      - deposit
      - eligible deposits
      - depositor
      - joint account
      - credit institution
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 6
        paragraph: "1"
      - target: Article 2
        paragraph: "8"
      - target: Article 6
        paragraph: "2"
      - target: Article 6
        paragraph: "3"
      - target: Article 16
    external_references: []
    recitals: []

  - article_number: 8
    article_title: Repayment
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 8"
    applies_to_entities:
      - credit_institutions
      - member_states
    topics:
      - deposit_guarantee
      - banking
      - aml
    keywords:
      - transaction
      - POS
      - data
      - access
      - branch
      - ITS
      - dgss
      - deposit
      - covered deposits
      - depositor
      - credit institution
      - host member state
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 2
        paragraph: "8"
      - target: Article 7
        paragraph: "3"
      - target: Article 7
      - target: Article 6
        paragraph: "2"
      - target: Article 14
        paragraph: "2"
    external_references:
      - instrument_type: directive
        reference: "2005/60/EC"
    recitals: []

  - article_number: 9
    article_title: Claims against DGSs
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 9"
    applies_to_entities:
      - credit_institutions
      - member_states
    topics:
      - deposit_guarantee
      - banking
      - winding_up
    keywords:
      - POS
      - ITS
      - dgss
      - deposit
      - covered deposits
      - depositor
      - credit institution
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 11
      - target: Article 8
        paragraph: "1"
      - target: Article 8
        paragraph: "3"
    external_references:
      - instrument_type: directive
        reference: "2014/59"
    recitals: []

  - article_number: 10
    article_title: Financing of DGSs
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 10"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - deposit_guarantee
      - banking
      - authorisation
    keywords:
      - supervision
      - POS
      - consent
      - system
      - scheme
      - ITS
      - EBA
      - guidelines
      - dgss
      - deposit
      - covered deposits
      - depositor
      - credit institution
      - target level
      - available financial means
      - payment commitments
      - competent authority
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 11
      - target: Article 10
        paragraph: "1"
      - target: Article 10
        paragraph: "2"
      - target: Article 11
        paragraph: "2"
      - target: Article 11
        paragraph: "6"
    external_references:
      - instrument_type: directive
        reference: "2014/59"
      - instrument_type: directive
        reference: "2014/59"
    recitals: []

  - article_number: 11
    article_title: Use of funds
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 11"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
    topics:
      - deposit_guarantee
      - banking
      - liability
      - refunds
    keywords:
      - transfer
      - POS
      - access
      - system
      - ITS
      - deposit
      - covered deposits
      - depositor
      - credit institution
      - target level
      - available financial means
      - competent authority
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
    external_references:
      - instrument_type: directive
        reference: "2014/59"
      - instrument_type: directive
        reference: "2014/59"
      - instrument_type: directive
        reference: "2014/59"
    recitals: []

  - article_number: 12
    article_title: Borrowing between DGSs
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 12"
    applies_to_entities:
      - credit_institutions
      - member_states
      - european_banking_authority
      - european_central_bank
    topics:
      - deposit_guarantee
      - banking
      - refunds
    keywords:
      - POS
      - ITS
      - EBA
      - dgss
      - deposit
      - covered deposits
      - target level
      - available financial means
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 9
        paragraph: "1"
      - target: Article 10
      - target: Article 10
        paragraph: "8"
    external_references: []
    recitals: []

  - article_number: 13
    article_title: Calculation of contributions to DGSs
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 13"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - deposit_guarantee
      - banking
      - capital_requirements
      - credit_risk
      - financial_statements
    keywords:
      - API
      - POS
      - ITS
      - EBA
      - guidelines
      - dgss
      - ips
      - deposit
      - covered deposits
      - credit institution
      - competent authority
      - designated authority
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 14
    article_title: Cooperation within the Union
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 14"
    applies_to_entities:
      - credit_institutions
      - member_states
      - european_banking_authority
      - european_commission
    topics:
      - deposit_guarantee
      - banking
      - liability
    keywords:
      - liability
      - transfer
      - POS
      - branch
      - cross-border
      - system
      - ITS
      - EBA
      - dgss
      - deposit
      - covered deposits
      - depositor
      - credit institution
      - home member state
      - host member state
      - designated authority
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
        paragraph: "8"
      - target: Article 4
        paragraph: "5"
      - target: Article 4
        paragraph: "7"
      - target: Article 10
      - target: Article 12
      - target: Article 4
        paragraph: "9"
      - target: Article 9
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 15
    article_title: Branches of credit institutions established in third countries
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 15"
    applies_to_entities:
      - credit_institutions
      - member_states
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - POS
      - branch
      - ITS
      - deposit
      - depositor
      - credit institution
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals: []

  - article_number: 16
    article_title: Depositor information
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 16"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - penalty
      - transfer
      - POS
      - branch
      - ITS
      - notification
      - dgss
      - deposit
      - eligible deposits
      - depositor
      - credit institution
      - competent authority
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 6
    external_references: []
    recitals: []

  - article_number: 17
    article_title: List of authorised credit institutions
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 17"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - deposit_guarantee
      - banking
      - authorisation
      - competent_authorities
    keywords:
      - authorisation
      - EBA
      - credit institution
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals: []

  - article_number: 18
    article_title: Exercise of the delegation
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 18"
    applies_to_entities:
      - european_commission
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 6
        paragraph: "7"
    external_references: []
    recitals: []

  - article_number: 19
    article_title: Transitional provisions
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 19"
    applies_to_entities:
      - credit_institutions
      - member_states
      - european_banking_authority
      - european_commission
    topics:
      - deposit_guarantee
      - banking
      - winding_up
    keywords:
      - POS
      - cross-border
      - scheme
      - ITS
      - EBA
      - reporting
      - dgss
      - deposit
      - covered deposits
      - depositor
      - credit institution
      - target level
      - available financial means
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 11
        paragraph: "5"
      - target: Article 6
        paragraph: "1"
      - target: Article 11
        paragraph: "3"
    external_references: []
    recitals: []

  - article_number: 20
    article_title: Transposition
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 20"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
      - target: Article 2
      - target: Article 3
      - target: Article 4
      - target: Article 5
        paragraph: "1"
      - target: Article 5
        paragraph: "2"
      - target: Article 5
        paragraph: "3"
      - target: Article 5
        paragraph: "4"
      - target: Article 6
        paragraph: "2"
      - target: Article 7
        paragraph: "4"
      - target: Article 8
        paragraph: "1"
      - target: Article 8
        paragraph: "2"
      - target: Article 8
        paragraph: "3"
      - target: Article 8
        paragraph: "5"
      - target: Article 8
        paragraph: "6"
      - target: Article 8
        paragraph: "7"
      - target: Article 8
        paragraph: "9"
      - target: Article 9
        paragraph: "2"
      - target: Article 9
        paragraph: "3"
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
      - target: Article 14
      - target: Article 15
      - target: Article 16
      - target: Article 8
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 21
    article_title: Repeal
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 21"
    applies_to_entities:
      - member_states
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - POS
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 22
    article_title: Entry into force
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 22"
    applies_to_entities: []
    topics:
      - deposit_guarantee
      - banking
    keywords:
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 5
        paragraph: "1"
      - target: Article 6
        paragraph: "1"
      - target: Article 7
        paragraph: "1"
      - target: Article 7
        paragraph: "2"
      - target: Article 7
        paragraph: "3"
      - target: Article 8
        paragraph: "8"
      - target: Article 9
        paragraph: "1"
      - target: Article 17
    external_references: []
    recitals: []

  - article_number: 23
    article_title: Addressees
    chunk_file: /dgs/chunks/dgs_t01.md
    path: "Title 1 > Article 23"
    applies_to_entities:
      - member_states
    topics:
      - deposit_guarantee
      - banking
    keywords: []
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []